{smcl}
{txt}{sf}{ul off}{.-}
      name:  {res}<unnamed>
       {txt}log:  {res}/Users/sebastiantonke/Desktop/Replication Package/Replication files experiment/output_logs/table 3.smcl
  {txt}log type:  {res}smcl
 {txt}opened on:  {res}11 Jul 2023, 14:17:27
{txt}
{com}. 
. *********************************
. **** Initial month (October) ****
. *********************************
. 
. local controls "itt2 itt3 premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew*"
{txt}
{com}. 
. * Extensive Margin *
. probit paidcount `controls' if t==14 , rob

{txt}note: interviewerdummy16 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: datedummy18 omitted because of collinearity
note: schemedummynew54 omitted because of collinearity
{res}{txt}Iteration 0:{space 3}log pseudolikelihood = {res: -6748.296}  
Iteration 1:{space 3}log pseudolikelihood = {res:-5973.0063}  
Iteration 2:{space 3}log pseudolikelihood = {res:  -5971.31}  
Iteration 3:{space 3}log pseudolikelihood = {res:-5971.3099}  
{res}
{txt}Probit regression{col 49}Number of obs{col 67}= {res}     9,823
{txt}{col 49}Wald chi2({res}91{txt}){col 67}= {res}   1344.60
{txt}{col 49}Prob > chi2{col 67}= {res}    0.0000
{txt}Log pseudolikelihood = {res}-5971.3099{txt}{col 49}Pseudo R2{col 67}= {res}    0.1151

{txt}{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}          paidcount{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      z{col 53}   P>|z|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .0809619{col 33}{space 2} .0331576{col 44}{space 1}    2.44{col 53}{space 3}0.015{col 61}{space 4} .0159742{col 74}{space 3} .1459496
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2}  .215495{col 33}{space 2} .0335218{col 44}{space 1}    6.43{col 53}{space 3}0.000{col 61}{space 4} .1497934{col 74}{space 3} .2811966
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2}-.0001175{col 33}{space 2} .0000656{col 44}{space 1}   -1.79{col 53}{space 3}0.073{col 61}{space 4}-.0002461{col 74}{space 3}  .000011
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.1299048{col 33}{space 2} .0265305{col 44}{space 1}   -4.90{col 53}{space 3}0.000{col 61}{space 4}-.1819036{col 74}{space 3}-.0779059
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2}-.0006481{col 33}{space 2} .0003656{col 44}{space 1}   -1.77{col 53}{space 3}0.076{col 61}{space 4}-.0013648{col 74}{space 3} .0000685
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2}-2.61e-07{col 33}{space 2} .0000126{col 44}{space 1}   -0.02{col 53}{space 3}0.984{col 61}{space 4} -.000025{col 74}{space 3} .0000245
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} .1993241{col 33}{space 2} .0059758{col 44}{space 1}   33.36{col 53}{space 3}0.000{col 61}{space 4} .1876118{col 74}{space 3} .2110363
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.1255618{col 33}{space 2} .0683439{col 44}{space 1}   -1.84{col 53}{space 3}0.066{col 61}{space 4}-.2595135{col 74}{space 3} .0083898
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}-.0150416{col 33}{space 2} .0687272{col 44}{space 1}   -0.22{col 53}{space 3}0.827{col 61}{space 4}-.1497444{col 74}{space 3} .1196612
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.1804195{col 33}{space 2} .0761009{col 44}{space 1}   -2.37{col 53}{space 3}0.018{col 61}{space 4}-.3295744{col 74}{space 3}-.0312645
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0625167{col 33}{space 2} .0707962{col 44}{space 1}   -0.88{col 53}{space 3}0.377{col 61}{space 4}-.2012746{col 74}{space 3} .0762413
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-.1251176{col 33}{space 2} .0693354{col 44}{space 1}   -1.80{col 53}{space 3}0.071{col 61}{space 4}-.2610125{col 74}{space 3} .0107774
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2} .0226989{col 33}{space 2} .0751508{col 44}{space 1}    0.30{col 53}{space 3}0.763{col 61}{space 4} -.124594{col 74}{space 3} .1699918
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.1155583{col 33}{space 2} .0772134{col 44}{space 1}   -1.50{col 53}{space 3}0.134{col 61}{space 4}-.2668938{col 74}{space 3} .0357771
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2} -.017994{col 33}{space 2} .0706059{col 44}{space 1}   -0.25{col 53}{space 3}0.799{col 61}{space 4}-.1563792{col 74}{space 3} .1203911
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.0164216{col 33}{space 2} .0690821{col 44}{space 1}   -0.24{col 53}{space 3}0.812{col 61}{space 4}  -.15182{col 74}{space 3} .1189768
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.0669484{col 33}{space 2} .0726389{col 44}{space 1}   -0.92{col 53}{space 3}0.357{col 61}{space 4} -.209318{col 74}{space 3} .0754211
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2} .1739344{col 33}{space 2} .0946778{col 44}{space 1}    1.84{col 53}{space 3}0.066{col 61}{space 4}-.0116308{col 74}{space 3} .3594995
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-.0348906{col 33}{space 2} .0671656{col 44}{space 1}   -0.52{col 53}{space 3}0.603{col 61}{space 4}-.1665328{col 74}{space 3} .0967515
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.1394634{col 33}{space 2} .0775225{col 44}{space 1}   -1.80{col 53}{space 3}0.072{col 61}{space 4}-.2914048{col 74}{space 3}  .012478
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2} .0260044{col 33}{space 2} .0702063{col 44}{space 1}    0.37{col 53}{space 3}0.711{col 61}{space 4}-.1115974{col 74}{space 3} .1636063
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2} -.032181{col 33}{space 2}  .086046{col 44}{space 1}   -0.37{col 53}{space 3}0.708{col 61}{space 4}-.2008281{col 74}{space 3}  .136466
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2} .0680088{col 33}{space 2} .5273054{col 44}{space 1}    0.13{col 53}{space 3}0.897{col 61}{space 4}-.9654908{col 74}{space 3} 1.101508
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2} -.086501{col 33}{space 2} .5655261{col 44}{space 1}   -0.15{col 53}{space 3}0.878{col 61}{space 4}-1.194912{col 74}{space 3}  1.02191
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2}-.0271792{col 33}{space 2} .0609596{col 44}{space 1}   -0.45{col 53}{space 3}0.656{col 61}{space 4}-.1466577{col 74}{space 3} .0922993
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} .0179693{col 33}{space 2} .1239073{col 44}{space 1}    0.15{col 53}{space 3}0.885{col 61}{space 4}-.2248845{col 74}{space 3}  .260823
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2}-.0308968{col 33}{space 2} .1020714{col 44}{space 1}   -0.30{col 53}{space 3}0.762{col 61}{space 4}-.2309532{col 74}{space 3} .1691595
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2}  -.22674{col 33}{space 2} .0797609{col 44}{space 1}   -2.84{col 53}{space 3}0.004{col 61}{space 4}-.3830685{col 74}{space 3}-.0704115
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2}-.0407702{col 33}{space 2} .0756345{col 44}{space 1}   -0.54{col 53}{space 3}0.590{col 61}{space 4}-.1890111{col 74}{space 3} .1074707
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} -.017548{col 33}{space 2} .0716348{col 44}{space 1}   -0.24{col 53}{space 3}0.806{col 61}{space 4}-.1579497{col 74}{space 3} .1228536
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2}-.0610903{col 33}{space 2} .0665589{col 44}{space 1}   -0.92{col 53}{space 3}0.359{col 61}{space 4}-.1915433{col 74}{space 3} .0693627
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2}-.0467756{col 33}{space 2} .0604633{col 44}{space 1}   -0.77{col 53}{space 3}0.439{col 61}{space 4}-.1652815{col 74}{space 3} .0717304
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2}-.0869302{col 33}{space 2} .0624387{col 44}{space 1}   -1.39{col 53}{space 3}0.164{col 61}{space 4}-.2093077{col 74}{space 3} .0354473
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2}-.0109032{col 33}{space 2} .0641168{col 44}{space 1}   -0.17{col 53}{space 3}0.865{col 61}{space 4}-.1365698{col 74}{space 3} .1147635
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2}-.0515015{col 33}{space 2} .0662759{col 44}{space 1}   -0.78{col 53}{space 3}0.437{col 61}{space 4}-.1813999{col 74}{space 3} .0783969
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2}-.0398213{col 33}{space 2} .0599917{col 44}{space 1}   -0.66{col 53}{space 3}0.507{col 61}{space 4}-.1574028{col 74}{space 3} .0777603
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}-.5232408{col 33}{space 2} .8061659{col 44}{space 1}   -0.65{col 53}{space 3}0.516{col 61}{space 4}-2.103297{col 74}{space 3} 1.056815
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2} .0211365{col 33}{space 2} .0603994{col 44}{space 1}    0.35{col 53}{space 3}0.726{col 61}{space 4}-.0972441{col 74}{space 3} .1395171
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} .1357763{col 33}{space 2} .2668526{col 44}{space 1}    0.51{col 53}{space 3}0.611{col 61}{space 4}-.3872451{col 74}{space 3} .6587978
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2}-.0340297{col 33}{space 2} .2496791{col 44}{space 1}   -0.14{col 53}{space 3}0.892{col 61}{space 4}-.5233917{col 74}{space 3} .4553323
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2}-.0515856{col 33}{space 2} .2268052{col 44}{space 1}   -0.23{col 53}{space 3}0.820{col 61}{space 4}-.4961157{col 74}{space 3} .3929445
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2}-.0472837{col 33}{space 2} .2400208{col 44}{space 1}   -0.20{col 53}{space 3}0.844{col 61}{space 4}-.5177159{col 74}{space 3} .4231485
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2} .1387819{col 33}{space 2} .2458134{col 44}{space 1}    0.56{col 53}{space 3}0.572{col 61}{space 4}-.3430035{col 74}{space 3} .6205672
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2}-.0700394{col 33}{space 2} .2158221{col 44}{space 1}   -0.32{col 53}{space 3}0.746{col 61}{space 4}-.4930429{col 74}{space 3}  .352964
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2}-.2045031{col 33}{space 2} .2397796{col 44}{space 1}   -0.85{col 53}{space 3}0.394{col 61}{space 4}-.6744625{col 74}{space 3} .2654562
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-.1094693{col 33}{space 2} .2120645{col 44}{space 1}   -0.52{col 53}{space 3}0.606{col 61}{space 4}-.5251081{col 74}{space 3} .3061695
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} .0722882{col 33}{space 2}  .269145{col 44}{space 1}    0.27{col 53}{space 3}0.788{col 61}{space 4}-.4552263{col 74}{space 3} .5998026
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2}-.1246469{col 33}{space 2} .2159548{col 44}{space 1}   -0.58{col 53}{space 3}0.564{col 61}{space 4}-.5479105{col 74}{space 3} .2986167
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2}-.0243135{col 33}{space 2} .2143834{col 44}{space 1}   -0.11{col 53}{space 3}0.910{col 61}{space 4}-.4444972{col 74}{space 3} .3958702
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2}-.2185399{col 33}{space 2} .2094915{col 44}{space 1}   -1.04{col 53}{space 3}0.297{col 61}{space 4}-.6291357{col 74}{space 3} .1920559
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} .1287983{col 33}{space 2} .2416529{col 44}{space 1}    0.53{col 53}{space 3}0.594{col 61}{space 4}-.3448327{col 74}{space 3} .6024293
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2}-.1682493{col 33}{space 2} .2448357{col 44}{space 1}   -0.69{col 53}{space 3}0.492{col 61}{space 4}-.6481185{col 74}{space 3} .3116198
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.4053966{col 33}{space 2} .2325825{col 44}{space 1}   -1.74{col 53}{space 3}0.081{col 61}{space 4}  -.86125{col 74}{space 3} .0504568
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2}-.1760183{col 33}{space 2} .2189745{col 44}{space 1}   -0.80{col 53}{space 3}0.421{col 61}{space 4}-.6052005{col 74}{space 3} .2531639
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2} .0313526{col 33}{space 2}   .24456{col 44}{space 1}    0.13{col 53}{space 3}0.898{col 61}{space 4}-.4479763{col 74}{space 3} .5106814
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2}  .058943{col 33}{space 2} .2173484{col 44}{space 1}    0.27{col 53}{space 3}0.786{col 61}{space 4} -.367052{col 74}{space 3} .4849381
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2}-.0140073{col 33}{space 2} .2156346{col 44}{space 1}   -0.06{col 53}{space 3}0.948{col 61}{space 4}-.4366433{col 74}{space 3} .4086287
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2}-.1804585{col 33}{space 2} .2475914{col 44}{space 1}   -0.73{col 53}{space 3}0.466{col 61}{space 4}-.6657288{col 74}{space 3} .3048118
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} .0541483{col 33}{space 2} .2580736{col 44}{space 1}    0.21{col 53}{space 3}0.834{col 61}{space 4}-.4516668{col 74}{space 3} .5599633
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2}-.1538623{col 33}{space 2}  .230558{col 44}{space 1}   -0.67{col 53}{space 3}0.505{col 61}{space 4}-.6057477{col 74}{space 3}  .298023
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2}-.1653483{col 33}{space 2} .2204425{col 44}{space 1}   -0.75{col 53}{space 3}0.453{col 61}{space 4}-.5974077{col 74}{space 3} .2667112
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} .1999216{col 33}{space 2} .2210895{col 44}{space 1}    0.90{col 53}{space 3}0.366{col 61}{space 4}-.2334058{col 74}{space 3} .6332491
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2}-.2079526{col 33}{space 2}  .218751{col 44}{space 1}   -0.95{col 53}{space 3}0.342{col 61}{space 4}-.6366967{col 74}{space 3} .2207915
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2}-.0243436{col 33}{space 2} .2483384{col 44}{space 1}   -0.10{col 53}{space 3}0.922{col 61}{space 4}-.5110778{col 74}{space 3} .4623907
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} .0479328{col 33}{space 2} .2241012{col 44}{space 1}    0.21{col 53}{space 3}0.831{col 61}{space 4}-.3912975{col 74}{space 3}  .487163
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2} .0188682{col 33}{space 2} .2367303{col 44}{space 1}    0.08{col 53}{space 3}0.936{col 61}{space 4}-.4451148{col 74}{space 3} .4828511
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2} .0109059{col 33}{space 2} .2581228{col 44}{space 1}    0.04{col 53}{space 3}0.966{col 61}{space 4}-.4950054{col 74}{space 3} .5168173
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}-.0369479{col 33}{space 2} .2268919{col 44}{space 1}   -0.16{col 53}{space 3}0.871{col 61}{space 4}-.4816478{col 74}{space 3} .4077521
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2} .1303792{col 33}{space 2} .3479188{col 44}{space 1}    0.37{col 53}{space 3}0.708{col 61}{space 4}-.5515291{col 74}{space 3} .8122876
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2} .0383278{col 33}{space 2} .2289918{col 44}{space 1}    0.17{col 53}{space 3}0.867{col 61}{space 4}-.4104879{col 74}{space 3} .4871436
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2} .0862124{col 33}{space 2} .2253533{col 44}{space 1}    0.38{col 53}{space 3}0.702{col 61}{space 4} -.355472{col 74}{space 3} .5278967
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2}-.1024351{col 33}{space 2} .2199102{col 44}{space 1}   -0.47{col 53}{space 3}0.641{col 61}{space 4}-.5334511{col 74}{space 3} .3285809
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2}-.0718623{col 33}{space 2} .2145784{col 44}{space 1}   -0.33{col 53}{space 3}0.738{col 61}{space 4}-.4924283{col 74}{space 3} .3487036
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} .0224172{col 33}{space 2} .2228735{col 44}{space 1}    0.10{col 53}{space 3}0.920{col 61}{space 4}-.4144068{col 74}{space 3} .4592413
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}-.1979503{col 33}{space 2} .2108502{col 44}{space 1}   -0.94{col 53}{space 3}0.348{col 61}{space 4} -.611209{col 74}{space 3} .2153084
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2} .0133951{col 33}{space 2} .2430651{col 44}{space 1}    0.06{col 53}{space 3}0.956{col 61}{space 4}-.4630037{col 74}{space 3}  .489794
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}-.4241219{col 33}{space 2} .3922232{col 44}{space 1}   -1.08{col 53}{space 3}0.280{col 61}{space 4}-1.192865{col 74}{space 3} .3446214
{txt}{space 3}schemedummynew40 {c |}{col 21}{res}{space 2}-.0181367{col 33}{space 2} .2200198{col 44}{space 1}   -0.08{col 53}{space 3}0.934{col 61}{space 4}-.4493675{col 74}{space 3} .4130941
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2} .0386268{col 33}{space 2} .2291499{col 44}{space 1}    0.17{col 53}{space 3}0.866{col 61}{space 4}-.4104986{col 74}{space 3} .4877523
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2}-.0077985{col 33}{space 2} .2291421{col 44}{space 1}   -0.03{col 53}{space 3}0.973{col 61}{space 4}-.4569087{col 74}{space 3} .4413117
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} .0722528{col 33}{space 2} .2203353{col 44}{space 1}    0.33{col 53}{space 3}0.743{col 61}{space 4}-.3595965{col 74}{space 3} .5041022
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2} .0063702{col 33}{space 2} .2326303{col 44}{space 1}    0.03{col 53}{space 3}0.978{col 61}{space 4}-.4495767{col 74}{space 3} .4623172
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2}-.0825012{col 33}{space 2} .2364805{col 44}{space 1}   -0.35{col 53}{space 3}0.727{col 61}{space 4}-.5459944{col 74}{space 3}  .380992
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} .0802036{col 33}{space 2} .2143054{col 44}{space 1}    0.37{col 53}{space 3}0.708{col 61}{space 4}-.3398273{col 74}{space 3} .5002345
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} .1330845{col 33}{space 2} .2318068{col 44}{space 1}    0.57{col 53}{space 3}0.566{col 61}{space 4}-.3212483{col 74}{space 3} .5874174
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} .0862252{col 33}{space 2} .2805448{col 44}{space 1}    0.31{col 53}{space 3}0.759{col 61}{space 4}-.4636325{col 74}{space 3} .6360828
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} .1545082{col 33}{space 2} .2339802{col 44}{space 1}    0.66{col 53}{space 3}0.509{col 61}{space 4}-.3040847{col 74}{space 3}  .613101
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} .0196049{col 33}{space 2} .2496969{col 44}{space 1}    0.08{col 53}{space 3}0.937{col 61}{space 4}-.4697921{col 74}{space 3} .5090019
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2}-.0133257{col 33}{space 2} .2274745{col 44}{space 1}   -0.06{col 53}{space 3}0.953{col 61}{space 4}-.4591675{col 74}{space 3}  .432516
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2}-.1380882{col 33}{space 2} .2240403{col 44}{space 1}   -0.62{col 53}{space 3}0.538{col 61}{space 4}-.5771992{col 74}{space 3} .3010227
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2} .0133326{col 33}{space 2} .2193104{col 44}{space 1}    0.06{col 53}{space 3}0.952{col 61}{space 4}-.4165079{col 74}{space 3} .4431731
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 14}_cons {c |}{col 21}{res}{space 2}-.4159173{col 33}{space 2} .2145233{col 44}{space 1}   -1.94{col 53}{space 3}0.053{col 61}{space 4}-.8363751{col 74}{space 3} .0045406
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}

{com}. margins, dydx(itt2 itt3) post
{res}
{txt}Average marginal effects{col 49}Number of obs{col 67}= {res}     9,823
{txt}Model VCE{col 14}: {res}Robust

{txt}{p2colset 1 14 16 2}{...}
{p2col:Expression}:{space 1}{res:Pr(paidcount), predict()}{p_end}
{p2colreset}{...}
{txt}{p2colset 1 14 16 2}{...}
{p2col:dy/dx w.r.t.}:{space 1}{res:itt2 itt3}{p_end}
{p2colreset}{...}

{res}{txt}{hline 13}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 14}{c |}{col 26} Delta-method
{col 14}{c |}      dy/dx{col 26}   Std. Err.{col 38}      z{col 46}   P>|z|{col 54}     [95% Con{col 67}f. Interval]
{hline 13}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 8}itt2 {c |}{col 14}{res}{space 2} .0280727{col 26}{space 2} .0114859{col 37}{space 1}    2.44{col 46}{space 3}0.015{col 54}{space 4} .0055609{col 67}{space 3} .0505846
{txt}{space 8}itt3 {c |}{col 14}{res}{space 2} .0747207{col 26}{space 2} .0115506{col 37}{space 1}    6.47{col 46}{space 3}0.000{col 54}{space 4}  .052082{col 67}{space 3} .0973594
{txt}{hline 13}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. *Intensive Margin*
. reg lnpayment `controls' if t==14, rob
{txt}note: interviewerdummy15 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: datedummy16 omitted because of collinearity
note: schemedummynew31 omitted because of collinearity

Linear regression                               Number of obs     = {res}     5,456
                                                {txt}{help j_robustsingular:F(90, 5364) }      =  {res}        .
                                                {txt}Prob > F          = {res}         .
                                                {txt}R-squared         = {res}    0.3301
                                                {txt}Root MSE          =    {res} .89568

{txt}{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}          lnpayment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .0128293{col 33}{space 2} .0311512{col 44}{space 1}    0.41{col 53}{space 3}0.680{col 61}{space 4}-.0482396{col 74}{space 3} .0738983
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} .0351884{col 33}{space 2} .0312373{col 44}{space 1}    1.13{col 53}{space 3}0.260{col 61}{space 4}-.0260494{col 74}{space 3} .0964261
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0014146{col 33}{space 2} .0001248{col 44}{space 1}   11.33{col 53}{space 3}0.000{col 61}{space 4} .0011699{col 74}{space 3} .0016592
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.1357376{col 33}{space 2}  .031498{col 44}{space 1}   -4.31{col 53}{space 3}0.000{col 61}{space 4}-.1974865{col 74}{space 3}-.0739887
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0052398{col 33}{space 2}  .000315{col 44}{space 1}   16.64{col 53}{space 3}0.000{col 61}{space 4} .0046223{col 74}{space 3} .0058573
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2}  .000291{col 33}{space 2} .0000274{col 44}{space 1}   10.63{col 53}{space 3}0.000{col 61}{space 4} .0002374{col 74}{space 3} .0003447
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2}-.0435766{col 33}{space 2} .0050039{col 44}{space 1}   -8.71{col 53}{space 3}0.000{col 61}{space 4}-.0533862{col 74}{space 3}-.0337669
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2} .0178665{col 33}{space 2} .0811591{col 44}{space 1}    0.22{col 53}{space 3}0.826{col 61}{space 4}-.1412384{col 74}{space 3} .1769713
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}  .043754{col 33}{space 2} .0821351{col 44}{space 1}    0.53{col 53}{space 3}0.594{col 61}{space 4}-.1172642{col 74}{space 3} .2047722
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}  .075784{col 33}{space 2}  .084196{col 44}{space 1}    0.90{col 53}{space 3}0.368{col 61}{space 4}-.0892743{col 74}{space 3} .2408423
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0160398{col 33}{space 2} .0828317{col 44}{space 1}   -0.19{col 53}{space 3}0.846{col 61}{space 4}-.1784236{col 74}{space 3} .1463441
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2} .0706491{col 33}{space 2} .0805015{col 44}{space 1}    0.88{col 53}{space 3}0.380{col 61}{space 4}-.0871665{col 74}{space 3} .2284647
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.0609027{col 33}{space 2} .0877981{col 44}{space 1}   -0.69{col 53}{space 3}0.488{col 61}{space 4}-.2330226{col 74}{space 3} .1112172
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2} .0193914{col 33}{space 2} .0893392{col 44}{space 1}    0.22{col 53}{space 3}0.828{col 61}{space 4}-.1557497{col 74}{space 3} .1945324
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2} .0167634{col 33}{space 2} .0814978{col 44}{space 1}    0.21{col 53}{space 3}0.837{col 61}{space 4}-.1430054{col 74}{space 3} .1765322
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.0179998{col 33}{space 2} .0831943{col 44}{space 1}   -0.22{col 53}{space 3}0.829{col 61}{space 4}-.1810944{col 74}{space 3} .1450948
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2} .0248235{col 33}{space 2} .0839246{col 44}{space 1}    0.30{col 53}{space 3}0.767{col 61}{space 4}-.1397027{col 74}{space 3} .1893498
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2} .0195343{col 33}{space 2} .0949481{col 44}{space 1}    0.21{col 53}{space 3}0.837{col 61}{space 4}-.1666025{col 74}{space 3} .2056711
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2} .0752883{col 33}{space 2} .0788906{col 44}{space 1}    0.95{col 53}{space 3}0.340{col 61}{space 4}-.0793692{col 74}{space 3} .2299459
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.0011838{col 33}{space 2} .0867652{col 44}{space 1}   -0.01{col 53}{space 3}0.989{col 61}{space 4}-.1712788{col 74}{space 3} .1689112
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2} .0654291{col 33}{space 2} .0808977{col 44}{space 1}    0.81{col 53}{space 3}0.419{col 61}{space 4}-.0931633{col 74}{space 3} .2240215
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}  .078973{col 33}{space 2} .0794421{col 44}{space 1}    0.99{col 53}{space 3}0.320{col 61}{space 4}-.0767657{col 74}{space 3} .2347118
{txt}{space 9}datedummy1 {c |}{col 21}{res}{space 2} 1.162651{col 33}{space 2} .3164969{col 44}{space 1}    3.67{col 53}{space 3}0.000{col 61}{space 4} .5421884{col 74}{space 3} 1.783114
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}-.4622823{col 33}{space 2} 1.164357{col 44}{space 1}   -0.40{col 53}{space 3}0.691{col 61}{space 4}-2.744896{col 74}{space 3} 1.820331
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} .4215275{col 33}{space 2} .0905457{col 44}{space 1}    4.66{col 53}{space 3}0.000{col 61}{space 4} .2440212{col 74}{space 3} .5990338
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2}  .314912{col 33}{space 2} .1338714{col 44}{space 1}    2.35{col 53}{space 3}0.019{col 61}{space 4} .0524696{col 74}{space 3} .5773544
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} .3945509{col 33}{space 2} .1218651{col 44}{space 1}    3.24{col 53}{space 3}0.001{col 61}{space 4} .1556457{col 74}{space 3} .6334561
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} .3949054{col 33}{space 2} .1021278{col 44}{space 1}    3.87{col 53}{space 3}0.000{col 61}{space 4} .1946934{col 74}{space 3} .5951174
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} .3779501{col 33}{space 2} .0985207{col 44}{space 1}    3.84{col 53}{space 3}0.000{col 61}{space 4} .1848094{col 74}{space 3} .5710907
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} .3338856{col 33}{space 2} .0968264{col 44}{space 1}    3.45{col 53}{space 3}0.001{col 61}{space 4} .1440664{col 74}{space 3} .5237048
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} .3111043{col 33}{space 2} .0948438{col 44}{space 1}    3.28{col 53}{space 3}0.001{col 61}{space 4} .1251719{col 74}{space 3} .4970367
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} .3770211{col 33}{space 2} .0898915{col 44}{space 1}    4.19{col 53}{space 3}0.000{col 61}{space 4} .2007973{col 74}{space 3} .5532449
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} .4923041{col 33}{space 2} .0912547{col 44}{space 1}    5.39{col 53}{space 3}0.000{col 61}{space 4} .3134077{col 74}{space 3} .6712005
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2} .3273128{col 33}{space 2} .0925377{col 44}{space 1}    3.54{col 53}{space 3}0.000{col 61}{space 4} .1459012{col 74}{space 3} .5087243
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} .3884424{col 33}{space 2} .0910258{col 44}{space 1}    4.27{col 53}{space 3}0.000{col 61}{space 4} .2099948{col 74}{space 3} .5668899
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} .3653263{col 33}{space 2} .0898838{col 44}{space 1}    4.06{col 53}{space 3}0.000{col 61}{space 4} .1891175{col 74}{space 3}  .541535
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy17 {c |}{col 21}{res}{space 2}  .347199{col 33}{space 2} .0879904{col 44}{space 1}    3.95{col 53}{space 3}0.000{col 61}{space 4} .1747021{col 74}{space 3} .5196958
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2} .3908469{col 33}{space 2} .0902716{col 44}{space 1}    4.33{col 53}{space 3}0.000{col 61}{space 4}  .213878{col 74}{space 3} .5678159
{txt}{space 4}schemedummynew1 {c |}{col 21}{res}{space 2}   .18172{col 33}{space 2} .2368679{col 44}{space 1}    0.77{col 53}{space 3}0.443{col 61}{space 4}-.2826374{col 74}{space 3} .6460774
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2} .0587267{col 33}{space 2} .2284567{col 44}{space 1}    0.26{col 53}{space 3}0.797{col 61}{space 4}-.3891413{col 74}{space 3} .5065947
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2}-.1216706{col 33}{space 2}  .207528{col 44}{space 1}   -0.59{col 53}{space 3}0.558{col 61}{space 4}-.5285097{col 74}{space 3} .2851685
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2} .1140882{col 33}{space 2}  .224338{col 44}{space 1}    0.51{col 53}{space 3}0.611{col 61}{space 4}-.3257054{col 74}{space 3} .5538819
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2} .0075712{col 33}{space 2} .2349538{col 44}{space 1}    0.03{col 53}{space 3}0.974{col 61}{space 4}-.4530338{col 74}{space 3} .4681762
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} .0109999{col 33}{space 2} .2063295{col 44}{space 1}    0.05{col 53}{space 3}0.957{col 61}{space 4}-.3934897{col 74}{space 3} .4154896
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2}-.1995973{col 33}{space 2}  .223338{col 44}{space 1}   -0.89{col 53}{space 3}0.372{col 61}{space 4}-.6374305{col 74}{space 3} .2382358
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-.3171706{col 33}{space 2} .1988624{col 44}{space 1}   -1.59{col 53}{space 3}0.111{col 61}{space 4}-.7070218{col 74}{space 3} .0726805
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2}-.0786269{col 33}{space 2} .2496679{col 44}{space 1}   -0.31{col 53}{space 3}0.753{col 61}{space 4}-.5680774{col 74}{space 3} .4108236
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2}-.0203618{col 33}{space 2} .1986556{col 44}{space 1}   -0.10{col 53}{space 3}0.918{col 61}{space 4}-.4098075{col 74}{space 3} .3690838
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2} .0229689{col 33}{space 2}  .197348{col 44}{space 1}    0.12{col 53}{space 3}0.907{col 61}{space 4}-.3639134{col 74}{space 3} .4098512
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2}-.0519108{col 33}{space 2} .1947861{col 44}{space 1}   -0.27{col 53}{space 3}0.790{col 61}{space 4}-.4337707{col 74}{space 3} .3299491
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} .3683722{col 33}{space 2} .2169196{col 44}{space 1}    1.70{col 53}{space 3}0.090{col 61}{space 4}-.0568783{col 74}{space 3} .7936227
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2}  .050489{col 33}{space 2} .2112876{col 44}{space 1}    0.24{col 53}{space 3}0.811{col 61}{space 4}-.3637205{col 74}{space 3} .4646986
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.3659074{col 33}{space 2} .2513377{col 44}{space 1}   -1.46{col 53}{space 3}0.145{col 61}{space 4}-.8586315{col 74}{space 3} .1268166
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2} .1992483{col 33}{space 2} .2022476{col 44}{space 1}    0.99{col 53}{space 3}0.325{col 61}{space 4}-.1972391{col 74}{space 3} .5957357
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2} .1442273{col 33}{space 2} .2105448{col 44}{space 1}    0.69{col 53}{space 3}0.493{col 61}{space 4}-.2685261{col 74}{space 3} .5569806
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2}-.2214624{col 33}{space 2} .1976782{col 44}{space 1}   -1.12{col 53}{space 3}0.263{col 61}{space 4}-.6089919{col 74}{space 3} .1660671
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2} .1292465{col 33}{space 2} .1987948{col 44}{space 1}    0.65{col 53}{space 3}0.516{col 61}{space 4}-.2604721{col 74}{space 3} .5189651
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2}-.1569035{col 33}{space 2} .2168314{col 44}{space 1}   -0.72{col 53}{space 3}0.469{col 61}{space 4}-.5819812{col 74}{space 3} .2681742
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} .4022405{col 33}{space 2} .2432173{col 44}{space 1}    1.65{col 53}{space 3}0.098{col 61}{space 4}-.0745642{col 74}{space 3} .8790452
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2}-.0738048{col 33}{space 2}  .208815{col 44}{space 1}   -0.35{col 53}{space 3}0.724{col 61}{space 4} -.483167{col 74}{space 3} .3355573
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2} -.228781{col 33}{space 2} .2006251{col 44}{space 1}   -1.14{col 53}{space 3}0.254{col 61}{space 4}-.6220877{col 74}{space 3} .1645258
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} .0489262{col 33}{space 2} .2001392{col 44}{space 1}    0.24{col 53}{space 3}0.807{col 61}{space 4} -.343428{col 74}{space 3} .4412804
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2} .0534485{col 33}{space 2} .1993605{col 44}{space 1}    0.27{col 53}{space 3}0.789{col 61}{space 4}-.3373791{col 74}{space 3} .4442761
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2} .1997335{col 33}{space 2}  .226698{col 44}{space 1}    0.88{col 53}{space 3}0.378{col 61}{space 4}-.2446867{col 74}{space 3} .6441536
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} .2486775{col 33}{space 2} .2088807{col 44}{space 1}    1.19{col 53}{space 3}0.234{col 61}{space 4}-.1608136{col 74}{space 3} .6581685
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2}-.2102163{col 33}{space 2}   .21582{col 44}{space 1}   -0.97{col 53}{space 3}0.330{col 61}{space 4}-.6333112{col 74}{space 3} .2128786
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2} .0521639{col 33}{space 2} .2528857{col 44}{space 1}    0.21{col 53}{space 3}0.837{col 61}{space 4}-.4435948{col 74}{space 3} .5479226
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2} -.113516{col 33}{space 2} .2088617{col 44}{space 1}   -0.54{col 53}{space 3}0.587{col 61}{space 4}-.5229699{col 74}{space 3} .2959379
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 3}schemedummynew32 {c |}{col 21}{res}{space 2} -.089787{col 33}{space 2} .2263888{col 44}{space 1}   -0.40{col 53}{space 3}0.692{col 61}{space 4}-.5336011{col 74}{space 3} .3540271
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2}  .005434{col 33}{space 2} .2041686{col 44}{space 1}    0.03{col 53}{space 3}0.979{col 61}{space 4}-.3948194{col 74}{space 3} .4056875
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2}-.0851142{col 33}{space 2}  .203722{col 44}{space 1}   -0.42{col 53}{space 3}0.676{col 61}{space 4}-.4844922{col 74}{space 3} .3142638
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2}-.0035963{col 33}{space 2} .1988701{col 44}{space 1}   -0.02{col 53}{space 3}0.986{col 61}{space 4}-.3934625{col 74}{space 3} .3862699
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2}-.1325119{col 33}{space 2} .2079163{col 44}{space 1}   -0.64{col 53}{space 3}0.524{col 61}{space 4}-.5401124{col 74}{space 3} .2750886
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}-.0063808{col 33}{space 2} .1964278{col 44}{space 1}   -0.03{col 53}{space 3}0.974{col 61}{space 4}-.3914591{col 74}{space 3} .3786975
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2} .2161227{col 33}{space 2} .2160875{col 44}{space 1}    1.00{col 53}{space 3}0.317{col 61}{space 4}-.2074965{col 74}{space 3}  .639742
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2} .1092885{col 33}{space 2} .7176717{col 44}{space 1}    0.15{col 53}{space 3}0.879{col 61}{space 4} -1.29764{col 74}{space 3} 1.516217
{txt}{space 3}schemedummynew40 {c |}{col 21}{res}{space 2}  -.06527{col 33}{space 2} .2036625{col 44}{space 1}   -0.32{col 53}{space 3}0.749{col 61}{space 4}-.4645313{col 74}{space 3} .3339912
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2} .2523486{col 33}{space 2} .2052993{col 44}{space 1}    1.23{col 53}{space 3}0.219{col 61}{space 4}-.1501215{col 74}{space 3} .6548188
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2}-.0593817{col 33}{space 2} .2072839{col 44}{space 1}   -0.29{col 53}{space 3}0.775{col 61}{space 4}-.4657425{col 74}{space 3}  .346979
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} .1536699{col 33}{space 2} .1988863{col 44}{space 1}    0.77{col 53}{space 3}0.440{col 61}{space 4} -.236228{col 74}{space 3} .5435678
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2} .3308329{col 33}{space 2} .2201304{col 44}{space 1}    1.50{col 53}{space 3}0.133{col 61}{space 4} -.100712{col 74}{space 3} .7623779
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2} .0125002{col 33}{space 2} .2349219{col 44}{space 1}    0.05{col 53}{space 3}0.958{col 61}{space 4}-.4480422{col 74}{space 3} .4730427
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} .2803901{col 33}{space 2} .1967599{col 44}{space 1}    1.43{col 53}{space 3}0.154{col 61}{space 4}-.1053392{col 74}{space 3} .6661194
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} .3712382{col 33}{space 2} .2188685{col 44}{space 1}    1.70{col 53}{space 3}0.090{col 61}{space 4} -.057833{col 74}{space 3} .8003095
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} .2482618{col 33}{space 2}  .229442{col 44}{space 1}    1.08{col 53}{space 3}0.279{col 61}{space 4}-.2015377{col 74}{space 3} .6980614
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} .1351918{col 33}{space 2} .2056819{col 44}{space 1}    0.66{col 53}{space 3}0.511{col 61}{space 4}-.2680283{col 74}{space 3} .5384118
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2}-.0611919{col 33}{space 2} .2350295{col 44}{space 1}   -0.26{col 53}{space 3}0.795{col 61}{space 4}-.5219451{col 74}{space 3} .3995614
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2} .3041928{col 33}{space 2} .2074367{col 44}{space 1}    1.47{col 53}{space 3}0.143{col 61}{space 4}-.1024675{col 74}{space 3}  .710853
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2}-.1799772{col 33}{space 2} .2065181{col 44}{space 1}   -0.87{col 53}{space 3}0.384{col 61}{space 4}-.5848365{col 74}{space 3} .2248822
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2}-.3054442{col 33}{space 2} .2031705{col 44}{space 1}   -1.50{col 53}{space 3}0.133{col 61}{space 4} -.703741{col 74}{space 3} .0928526
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2} .3627739{col 33}{space 2} .2592566{col 44}{space 1}    1.40{col 53}{space 3}0.162{col 61}{space 4}-.1454744{col 74}{space 3} .8710222
{txt}{space 14}_cons {c |}{col 21}{res}{space 2} 4.537093{col 33}{space 2} .2317185{col 44}{space 1}   19.58{col 53}{space 3}0.000{col 61}{space 4} 4.082831{col 74}{space 3} 4.991356
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. *TWO PM estimation - *
. * ssc install twopm  // twopm is a user written command and needs to be installed
. preserve 
{txt}
{com}. keep if t==14
{txt}(384,211 observations deleted)

{com}. capture program drop Ey_boot
{txt}
{com}. program define Ey_boot, eclass
{txt}  1{com}. twopm payment itt2 itt3 premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew*, firstpart(probit) secondpart(regress, log) vce(cluster customer)
{txt}  2{com}. margins, dydx(itt2 itt3) predict(duan) nose post
{txt}  3{com}. end
{txt}
{com}. bootstrap _b, seed(3125) reps(1000): Ey_boot
{txt}(running Ey_boot on estimation sample)

Bootstrap replications ({res}1000{txt})
{hline 4}{c +}{hline 3} 1 {hline 3}{c +}{hline 3} 2 {hline 3}{c +}{hline 3} 3 {hline 3}{c +}{hline 3} 4 {hline 3}{c +}{hline 3} 5 
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{res}
{txt}Average marginal effects{col 49}Number of obs{col 67}= {res}     9,823
{txt}{col 49}Replications{col 67}= {res}     1,000

{txt}{hline 13}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 14}{c |}   Observed{col 26}   Bootstrap{col 54}         Norm{col 67}al-based
{col 14}{c |}      Coef.{col 26}   Std. Err.{col 38}      z{col 46}   P>|z|{col 54}     [95% Con{col 67}f. Interval]
{hline 13}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 8}itt2 {c |}{col 14}{res}{space 2}  17.4027{col 26}{space 2} 9.630856{col 37}{space 1}    1.81{col 46}{space 3}0.071{col 54}{space 4}-1.473428{col 67}{space 3} 36.27884
{txt}{space 8}itt3 {c |}{col 14}{res}{space 2} 46.57263{col 26}{space 2}  10.1755{col 37}{space 1}    4.58{col 46}{space 3}0.000{col 54}{space 4} 26.62902{col 67}{space 3} 66.51624
{txt}{hline 13}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}

{com}. estimates store W 
{txt}
{com}. restore
{txt}
{com}. 
. * IHS payment *
. reg asinhpayment `controls' if t==14,  vce(cluster customer)
{txt}note: interviewerdummy11 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: datedummy16 omitted because of collinearity
note: schemedummynew39 omitted because of collinearity

Linear regression                               Number of obs     = {res}     9,823
                                                {txt}F(91, 9822)       =  {res}    20.23
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.1284
                                                {txt}Root MSE          =    {res} 2.8447

{txt}{ralign 85:(Std. Err. adjusted for {res:9,823} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}       asinhpayment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .1801552{col 33}{space 2} .0714249{col 44}{space 1}    2.52{col 53}{space 3}0.012{col 61}{space 4} .0401476{col 74}{space 3} .3201627
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} .4668733{col 33}{space 2} .0721607{col 44}{space 1}    6.47{col 53}{space 3}0.000{col 61}{space 4} .3254235{col 74}{space 3} .6083232
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0002913{col 33}{space 2} .0001519{col 44}{space 1}    1.92{col 53}{space 3}0.055{col 61}{space 4}-6.52e-06{col 74}{space 3} .0005891
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.2931138{col 33}{space 2} .0568345{col 44}{space 1}   -5.16{col 53}{space 3}0.000{col 61}{space 4} -.404521{col 74}{space 3}-.1817066
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0020921{col 33}{space 2} .0008163{col 44}{space 1}    2.56{col 53}{space 3}0.010{col 61}{space 4} .0004919{col 74}{space 3} .0036922
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} .0001213{col 33}{space 2}  .000035{col 44}{space 1}    3.47{col 53}{space 3}0.001{col 61}{space 4} .0000528{col 74}{space 3} .0001898
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} .3777489{col 33}{space 2} .0103192{col 44}{space 1}   36.61{col 53}{space 3}0.000{col 61}{space 4} .3575212{col 74}{space 3} .3979767
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.6127399{col 33}{space 2} .1977484{col 44}{space 1}   -3.10{col 53}{space 3}0.002{col 61}{space 4}-1.000368{col 74}{space 3}-.2251123
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}-.3536075{col 33}{space 2} .1981175{col 44}{space 1}   -1.78{col 53}{space 3}0.074{col 61}{space 4}-.7419585{col 74}{space 3} .0347434
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.6631499{col 33}{space 2} .2108239{col 44}{space 1}   -3.15{col 53}{space 3}0.002{col 61}{space 4}-1.076408{col 74}{space 3}-.2498918
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.4812319{col 33}{space 2}  .202322{col 44}{space 1}   -2.38{col 53}{space 3}0.017{col 61}{space 4}-.8778246{col 74}{space 3}-.0846392
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-.5825207{col 33}{space 2} .1995114{col 44}{space 1}   -2.92{col 53}{space 3}0.004{col 61}{space 4}-.9736041{col 74}{space 3}-.1914374
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.3278164{col 33}{space 2} .2078922{col 44}{space 1}   -1.58{col 53}{space 3}0.115{col 61}{space 4}-.7353279{col 74}{space 3}  .079695
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.5605223{col 33}{space 2} .2092902{col 44}{space 1}   -2.68{col 53}{space 3}0.007{col 61}{space 4} -.970774{col 74}{space 3}-.1502705
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-.3865374{col 33}{space 2} .2014857{col 44}{space 1}   -1.92{col 53}{space 3}0.055{col 61}{space 4}-.7814908{col 74}{space 3} .0084159
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.4166518{col 33}{space 2} .1982866{col 44}{space 1}   -2.10{col 53}{space 3}0.036{col 61}{space 4}-.8053342{col 74}{space 3}-.0279694
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.4784783{col 33}{space 2} .2031649{col 44}{space 1}   -2.36{col 53}{space 3}0.019{col 61}{space 4}-.8767232{col 74}{space 3}-.0802334
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-.4041493{col 33}{space 2} .1963245{col 44}{space 1}   -2.06{col 53}{space 3}0.040{col 61}{space 4}-.7889856{col 74}{space 3} -.019313
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.6434374{col 33}{space 2} .2101521{col 44}{space 1}   -3.06{col 53}{space 3}0.002{col 61}{space 4}-1.055379{col 74}{space 3}-.2314962
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-.2396501{col 33}{space 2} .2022599{col 44}{space 1}   -1.18{col 53}{space 3}0.236{col 61}{space 4} -.636121{col 74}{space 3} .1568209
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-.4402393{col 33}{space 2} .2198636{col 44}{space 1}   -2.00{col 53}{space 3}0.045{col 61}{space 4}-.8712171{col 74}{space 3}-.0092614
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}-.2948017{col 33}{space 2} .1989713{col 44}{space 1}   -1.48{col 53}{space 3}0.138{col 61}{space 4}-.6848264{col 74}{space 3} .0952229
{txt}{space 9}datedummy1 {c |}{col 21}{res}{space 2} 1.892644{col 33}{space 2} 2.145061{col 44}{space 1}    0.88{col 53}{space 3}0.378{col 61}{space 4}-2.312117{col 74}{space 3} 6.097405
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2} .6945826{col 33}{space 2} 1.925714{col 44}{space 1}    0.36{col 53}{space 3}0.718{col 61}{space 4}-3.080213{col 74}{space 3} 4.469378
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} 1.126527{col 33}{space 2} 1.680591{col 44}{space 1}    0.67{col 53}{space 3}0.503{col 61}{space 4}-2.167777{col 74}{space 3} 4.420831
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} 1.175819{col 33}{space 2} 1.696002{col 44}{space 1}    0.69{col 53}{space 3}0.488{col 61}{space 4}-2.148694{col 74}{space 3} 4.500331
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} 1.089626{col 33}{space 2} 1.689205{col 44}{space 1}    0.65{col 53}{space 3}0.519{col 61}{space 4}-2.221564{col 74}{space 3} 4.400815
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} .7007768{col 33}{space 2} 1.684044{col 44}{space 1}    0.42{col 53}{space 3}0.677{col 61}{space 4}-2.600295{col 74}{space 3} 4.001849
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} 1.075527{col 33}{space 2} 1.682956{col 44}{space 1}    0.64{col 53}{space 3}0.523{col 61}{space 4}-2.223413{col 74}{space 3} 4.374467
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} 1.080991{col 33}{space 2} 1.681653{col 44}{space 1}    0.64{col 53}{space 3}0.520{col 61}{space 4}-2.215393{col 74}{space 3} 4.377376
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} 1.003232{col 33}{space 2} 1.680701{col 44}{space 1}    0.60{col 53}{space 3}0.551{col 61}{space 4}-2.291287{col 74}{space 3}  4.29775
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} 1.046674{col 33}{space 2} 1.680187{col 44}{space 1}    0.62{col 53}{space 3}0.533{col 61}{space 4}-2.246838{col 74}{space 3} 4.340186
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} 1.043789{col 33}{space 2} 1.680448{col 44}{space 1}    0.62{col 53}{space 3}0.535{col 61}{space 4}-2.250235{col 74}{space 3} 4.337813
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2} 1.093259{col 33}{space 2} 1.680598{col 44}{space 1}    0.65{col 53}{space 3}0.515{col 61}{space 4}-2.201058{col 74}{space 3} 4.387577
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} 1.065573{col 33}{space 2} 1.681052{col 44}{space 1}    0.63{col 53}{space 3}0.526{col 61}{space 4}-2.229634{col 74}{space 3} 4.360779
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} 1.070998{col 33}{space 2} 1.680032{col 44}{space 1}    0.64{col 53}{space 3}0.524{col 61}{space 4}-2.222211{col 74}{space 3} 4.364206
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy17 {c |}{col 21}{res}{space 2} 1.174531{col 33}{space 2} 1.680311{col 44}{space 1}    0.70{col 53}{space 3}0.485{col 61}{space 4}-2.119225{col 74}{space 3} 4.468287
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2} 1.150517{col 33}{space 2} 1.680023{col 44}{space 1}    0.68{col 53}{space 3}0.493{col 61}{space 4}-2.142673{col 74}{space 3} 4.443707
{txt}{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} 1.024106{col 33}{space 2} .8364771{col 44}{space 1}    1.22{col 53}{space 3}0.221{col 61}{space 4} -.615561{col 74}{space 3} 2.663773
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2} .6084183{col 33}{space 2} .8263242{col 44}{space 1}    0.74{col 53}{space 3}0.462{col 61}{space 4}-1.011347{col 74}{space 3} 2.228184
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2} .5136736{col 33}{space 2} .7843723{col 44}{space 1}    0.65{col 53}{space 3}0.513{col 61}{space 4}-1.023857{col 74}{space 3} 2.051205
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2} .6593802{col 33}{space 2} .8105508{col 44}{space 1}    0.81{col 53}{space 3}0.416{col 61}{space 4}-.9294659{col 74}{space 3} 2.248226
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2} .9983856{col 33}{space 2} .8167722{col 44}{space 1}    1.22{col 53}{space 3}0.222{col 61}{space 4}-.6026558{col 74}{space 3} 2.599427
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} .5626425{col 33}{space 2} .7768098{col 44}{space 1}    0.72{col 53}{space 3}0.469{col 61}{space 4}-.9600644{col 74}{space 3} 2.085349
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2} .1554416{col 33}{space 2} .8057921{col 44}{space 1}    0.19{col 53}{space 3}0.847{col 61}{space 4}-1.424077{col 74}{space 3}  1.73496
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2} .2862826{col 33}{space 2} .7688964{col 44}{space 1}    0.37{col 53}{space 3}0.710{col 61}{space 4}-1.220912{col 74}{space 3} 1.793478
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} .7363638{col 33}{space 2} .8398788{col 44}{space 1}    0.88{col 53}{space 3}0.381{col 61}{space 4}-.9099713{col 74}{space 3} 2.382699
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2} .4259375{col 33}{space 2} .7748438{col 44}{space 1}    0.55{col 53}{space 3}0.583{col 61}{space 4}-1.092916{col 74}{space 3} 1.944791
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2} .6283685{col 33}{space 2} .7709358{col 44}{space 1}    0.82{col 53}{space 3}0.415{col 61}{space 4}-.8828242{col 74}{space 3} 2.139561
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2} .2460544{col 33}{space 2} .7665091{col 44}{space 1}    0.32{col 53}{space 3}0.748{col 61}{space 4}-1.256461{col 74}{space 3}  1.74857
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} 1.152492{col 33}{space 2} .8068174{col 44}{space 1}    1.43{col 53}{space 3}0.153{col 61}{space 4}-.4290359{col 74}{space 3}  2.73402
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2} .3482771{col 33}{space 2} .8109688{col 44}{space 1}    0.43{col 53}{space 3}0.668{col 61}{space 4}-1.241388{col 74}{space 3} 1.937943
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.2926519{col 33}{space 2} .7924532{col 44}{space 1}   -0.37{col 53}{space 3}0.712{col 61}{space 4}-1.846023{col 74}{space 3} 1.260719
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2} .4661005{col 33}{space 2} .7804889{col 44}{space 1}    0.60{col 53}{space 3}0.550{col 61}{space 4}-1.063818{col 74}{space 3} 1.996019
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2} .7887638{col 33}{space 2} .8227791{col 44}{space 1}    0.96{col 53}{space 3}0.338{col 61}{space 4}-.8240525{col 74}{space 3}  2.40158
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2} .6654845{col 33}{space 2} .7750001{col 44}{space 1}    0.86{col 53}{space 3}0.391{col 61}{space 4}-.8536749{col 74}{space 3} 2.184644
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2}  .761337{col 33}{space 2} .7753088{col 44}{space 1}    0.98{col 53}{space 3}0.326{col 61}{space 4}-.7584276{col 74}{space 3} 2.281102
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2} .2304754{col 33}{space 2}  .814366{col 44}{space 1}    0.28{col 53}{space 3}0.777{col 61}{space 4}-1.365849{col 74}{space 3}   1.8268
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2}  1.06437{col 33}{space 2} .8430711{col 44}{space 1}    1.26{col 53}{space 3}0.207{col 61}{space 4}-.5882228{col 74}{space 3} 2.716962
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2} .3223866{col 33}{space 2} .7966281{col 44}{space 1}    0.40{col 53}{space 3}0.686{col 61}{space 4}-1.239168{col 74}{space 3} 1.883941
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2}  .253844{col 33}{space 2} .7790863{col 44}{space 1}    0.33{col 53}{space 3}0.745{col 61}{space 4}-1.273325{col 74}{space 3} 1.781013
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} 1.157295{col 33}{space 2} .7826011{col 44}{space 1}    1.48{col 53}{space 3}0.139{col 61}{space 4}-.3767642{col 74}{space 3} 2.691354
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2} .2740076{col 33}{space 2} .7801974{col 44}{space 1}    0.35{col 53}{space 3}0.725{col 61}{space 4} -1.25534{col 74}{space 3} 1.803355
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2} .7156796{col 33}{space 2} .8189226{col 44}{space 1}    0.87{col 53}{space 3}0.382{col 61}{space 4}-.8895769{col 74}{space 3} 2.320936
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} .9193928{col 33}{space 2} .7863219{col 44}{space 1}    1.17{col 53}{space 3}0.242{col 61}{space 4}-.6219598{col 74}{space 3} 2.460745
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2} .6226118{col 33}{space 2} .7997425{col 44}{space 1}    0.78{col 53}{space 3}0.436{col 61}{space 4}-.9450478{col 74}{space 3} 2.190271
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2} .6685849{col 33}{space 2} .8377551{col 44}{space 1}    0.80{col 53}{space 3}0.425{col 61}{space 4}-.9735873{col 74}{space 3} 2.310757
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}  .570392{col 33}{space 2} .7913318{col 44}{space 1}    0.72{col 53}{space 3}0.471{col 61}{space 4} -.980781{col 74}{space 3} 2.121565
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2} 1.062851{col 33}{space 2} .9379453{col 44}{space 1}    1.13{col 53}{space 3}0.257{col 61}{space 4} -.775715{col 74}{space 3} 2.901416
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2} .7389539{col 33}{space 2} .7926945{col 44}{space 1}    0.93{col 53}{space 3}0.351{col 61}{space 4}-.8148903{col 74}{space 3} 2.292798
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2} .9420894{col 33}{space 2} .7855269{col 44}{space 1}    1.20{col 53}{space 3}0.230{col 61}{space 4}-.5977047{col 74}{space 3} 2.481884
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2}  .372503{col 33}{space 2} .7790734{col 44}{space 1}    0.48{col 53}{space 3}0.633{col 61}{space 4}-1.154641{col 74}{space 3} 1.899647
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2} .5504275{col 33}{space 2} .7736696{col 44}{space 1}    0.71{col 53}{space 3}0.477{col 61}{space 4}-.9661239{col 74}{space 3} 2.066979
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} .7327268{col 33}{space 2} .7847006{col 44}{space 1}    0.93{col 53}{space 3}0.350{col 61}{space 4}-.8054476{col 74}{space 3} 2.270901
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2} .2763492{col 33}{space 2} .7686203{col 44}{space 1}    0.36{col 53}{space 3}0.719{col 61}{space 4}-1.230305{col 74}{space 3} 1.783003
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2} .8616431{col 33}{space 2} .8217756{col 44}{space 1}    1.05{col 53}{space 3}0.294{col 61}{space 4} -.749206{col 74}{space 3} 2.472492
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 3}schemedummynew40 {c |}{col 21}{res}{space 2} .6179203{col 33}{space 2} .7807503{col 44}{space 1}    0.79{col 53}{space 3}0.429{col 61}{space 4}-.9125107{col 74}{space 3} 2.148351
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2}  .894232{col 33}{space 2} .7948031{col 44}{space 1}    1.13{col 53}{space 3}0.261{col 61}{space 4}-.6637454{col 74}{space 3} 2.452209
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2} .6377521{col 33}{space 2} .7889792{col 44}{space 1}    0.81{col 53}{space 3}0.419{col 61}{space 4}-.9088094{col 74}{space 3} 2.184314
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} .9285794{col 33}{space 2} .7809093{col 44}{space 1}    1.19{col 53}{space 3}0.234{col 61}{space 4}-.6021633{col 74}{space 3} 2.459322
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2} .9716607{col 33}{space 2} .8043631{col 44}{space 1}    1.21{col 53}{space 3}0.227{col 61}{space 4}-.6050563{col 74}{space 3} 2.548378
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2} .5496329{col 33}{space 2}  .806286{col 44}{space 1}    0.68{col 53}{space 3}0.495{col 61}{space 4}-1.030853{col 74}{space 3} 2.130119
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} 1.056166{col 33}{space 2} .7742125{col 44}{space 1}    1.36{col 53}{space 3}0.173{col 61}{space 4}-.4614495{col 74}{space 3} 2.573782
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} 1.286394{col 33}{space 2} .8016682{col 44}{space 1}    1.60{col 53}{space 3}0.109{col 61}{space 4}-.2850403{col 74}{space 3} 2.857829
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} 1.105981{col 33}{space 2} .8800966{col 44}{space 1}    1.26{col 53}{space 3}0.209{col 61}{space 4}-.6191891{col 74}{space 3} 2.831151
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} 1.142169{col 33}{space 2} .7954333{col 44}{space 1}    1.44{col 53}{space 3}0.151{col 61}{space 4}-.4170436{col 74}{space 3} 2.701382
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} .7723016{col 33}{space 2} .8211979{col 44}{space 1}    0.94{col 53}{space 3}0.347{col 61}{space 4}-.8374151{col 74}{space 3} 2.382018
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2} .8747371{col 33}{space 2} .7928911{col 44}{space 1}    1.10{col 53}{space 3}0.270{col 61}{space 4}-.6794925{col 74}{space 3} 2.428967
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2} .3095442{col 33}{space 2} .7835644{col 44}{space 1}    0.40{col 53}{space 3}0.693{col 61}{space 4}-1.226403{col 74}{space 3} 1.845491
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2} .4992208{col 33}{space 2} .7759097{col 44}{space 1}    0.64{col 53}{space 3}0.520{col 61}{space 4}-1.021722{col 74}{space 3} 2.020163
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2} .9018228{col 33}{space 2} .8788013{col 44}{space 1}    1.03{col 53}{space 3}0.305{col 61}{space 4}-.8208085{col 74}{space 3} 2.624454
{txt}{space 14}_cons {c |}{col 21}{res}{space 2} .3937356{col 33}{space 2}  1.85329{col 44}{space 1}    0.21{col 53}{space 3}0.832{col 61}{space 4}-3.239093{col 74}{space 3} 4.026565
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. * Comparison means *
. sum  paidcount lnpayment payment asinhpayment if t==14 & itt==0 

{txt}    Variable {c |}        Obs        Mean    Std. Dev.       Min        Max
{hline 13}{c +}{hline 57}
{space 3}paidcount {c |}{res}      3,284      .52162    .4996084          0          1
{txt}{space 3}lnpayment {c |}{res}      1,713    5.178272    1.105325  -1.203973   9.392662
{txt}{space 5}payment {c |}{res}      3,284    178.8906    497.9474          0      12000
{txt}asinhpayment {c |}{res}      3,284    3.062933    3.039819          0   10.08581
{txt}
{com}. 
. *************************************
. **** Medium term (November-June) ****
. *************************************
. 
. local controls "itt2 itt3 i.t premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew*"
{txt}
{com}. 
. *midterm *
. probit paidcount `controls' if t>=15 & t<=22, vce(cluster customer)

{txt}note: interviewerdummy16 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: datedummy18 omitted because of collinearity
note: schemedummynew54 omitted because of collinearity
{res}{txt}Iteration 0:{space 3}log pseudolikelihood = {res:-52544.403}  
Iteration 1:{space 3}log pseudolikelihood = {res:-47878.314}  
Iteration 2:{space 3}log pseudolikelihood = {res:-47871.385}  
Iteration 3:{space 3}log pseudolikelihood = {res:-47871.385}  
{res}
{txt}Probit regression{col 49}Number of obs{col 67}= {res}    78,025
{txt}{col 49}Wald chi2({res}98{txt}){col 67}= {res}   5735.18
{txt}{col 49}Prob > chi2{col 67}= {res}    0.0000
{txt}Log pseudolikelihood = {res}-47871.385{txt}{col 49}Pseudo R2{col 67}= {res}    0.0889

{txt}{ralign 85:(Std. Err. adjusted for {res:9,806} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}          paidcount{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      z{col 53}   P>|z|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .0383522{col 33}{space 2}  .014758{col 44}{space 1}    2.60{col 53}{space 3}0.009{col 61}{space 4}  .009427{col 74}{space 3} .0672774
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} .0261859{col 33}{space 2} .0148621{col 44}{space 1}    1.76{col 53}{space 3}0.078{col 61}{space 4}-.0029433{col 74}{space 3}  .055315
{txt}{space 19} {c |}
{space 18}t {c |}
{space 16}16  {c |}{col 21}{res}{space 2}-.1662723{col 33}{space 2} .0191619{col 44}{space 1}   -8.68{col 53}{space 3}0.000{col 61}{space 4}-.2038291{col 74}{space 3}-.1287156
{txt}{space 16}17  {c |}{col 21}{res}{space 2} -.181083{col 33}{space 2} .0174681{col 44}{space 1}  -10.37{col 53}{space 3}0.000{col 61}{space 4}-.2153199{col 74}{space 3}-.1468461
{txt}{space 16}18  {c |}{col 21}{res}{space 2}-.0683457{col 33}{space 2} .0173433{col 44}{space 1}   -3.94{col 53}{space 3}0.000{col 61}{space 4} -.102338{col 74}{space 3}-.0343534
{txt}{space 16}19  {c |}{col 21}{res}{space 2}-.3471997{col 33}{space 2} .0179541{col 44}{space 1}  -19.34{col 53}{space 3}0.000{col 61}{space 4}-.3823891{col 74}{space 3}-.3120103
{txt}{space 16}20  {c |}{col 21}{res}{space 2}-.3517468{col 33}{space 2} .0181572{col 44}{space 1}  -19.37{col 53}{space 3}0.000{col 61}{space 4}-.3873342{col 74}{space 3}-.3161595
{txt}{space 16}21  {c |}{col 21}{res}{space 2}-.1897914{col 33}{space 2} .0176264{col 44}{space 1}  -10.77{col 53}{space 3}0.000{col 61}{space 4}-.2243385{col 74}{space 3}-.1552442
{txt}{space 16}22  {c |}{col 21}{res}{space 2}  .002025{col 33}{space 2}  .017603{col 44}{space 1}    0.12{col 53}{space 3}0.908{col 61}{space 4}-.0324762{col 74}{space 3} .0365262
{txt}{space 19} {c |}
{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0002818{col 33}{space 2} .0000349{col 44}{space 1}    8.07{col 53}{space 3}0.000{col 61}{space 4} .0002133{col 74}{space 3} .0003503
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.1006237{col 33}{space 2} .0142299{col 44}{space 1}   -7.07{col 53}{space 3}0.000{col 61}{space 4}-.1285138{col 74}{space 3}-.0727337
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2}-.0005535{col 33}{space 2} .0001671{col 44}{space 1}   -3.31{col 53}{space 3}0.001{col 61}{space 4} -.000881{col 74}{space 3} -.000226
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} -.000055{col 33}{space 2} 7.58e-06{col 44}{space 1}   -7.26{col 53}{space 3}0.000{col 61}{space 4}-.0000699{col 74}{space 3}-.0000402
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} .1615083{col 33}{space 2} .0024886{col 44}{space 1}   64.90{col 53}{space 3}0.000{col 61}{space 4} .1566308{col 74}{space 3} .1663859
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.0451901{col 33}{space 2} .0297338{col 44}{space 1}   -1.52{col 53}{space 3}0.129{col 61}{space 4}-.1034673{col 74}{space 3}  .013087
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2} .0000743{col 33}{space 2}  .029965{col 44}{space 1}    0.00{col 53}{space 3}0.998{col 61}{space 4}-.0586561{col 74}{space 3} .0588046
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.0632921{col 33}{space 2}  .033359{col 44}{space 1}   -1.90{col 53}{space 3}0.058{col 61}{space 4}-.1286745{col 74}{space 3} .0020902
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0146242{col 33}{space 2} .0311671{col 44}{space 1}   -0.47{col 53}{space 3}0.639{col 61}{space 4}-.0757105{col 74}{space 3} .0464621
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2} .0062382{col 33}{space 2} .0302973{col 44}{space 1}    0.21{col 53}{space 3}0.837{col 61}{space 4}-.0531435{col 74}{space 3} .0656198
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.0070383{col 33}{space 2}  .033292{col 44}{space 1}   -0.21{col 53}{space 3}0.833{col 61}{space 4}-.0722896{col 74}{space 3} .0582129
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.0526934{col 33}{space 2} .0351934{col 44}{space 1}   -1.50{col 53}{space 3}0.134{col 61}{space 4}-.1216711{col 74}{space 3} .0162844
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-.0288392{col 33}{space 2} .0317901{col 44}{space 1}   -0.91{col 53}{space 3}0.364{col 61}{space 4}-.0911467{col 74}{space 3} .0334684
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2} .0102676{col 33}{space 2} .0314322{col 44}{space 1}    0.33{col 53}{space 3}0.744{col 61}{space 4}-.0513384{col 74}{space 3} .0718735
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.0440983{col 33}{space 2} .0322531{col 44}{space 1}   -1.37{col 53}{space 3}0.172{col 61}{space 4}-.1073132{col 74}{space 3} .0191166
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}-.0384152{col 33}{space 2} .0400802{col 44}{space 1}   -0.96{col 53}{space 3}0.338{col 61}{space 4} -.116971{col 74}{space 3} .0401406
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-.0197941{col 33}{space 2} .0294643{col 44}{space 1}   -0.67{col 53}{space 3}0.502{col 61}{space 4}-.0775431{col 74}{space 3}  .037955
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.0437333{col 33}{space 2} .0333886{col 44}{space 1}   -1.31{col 53}{space 3}0.190{col 61}{space 4}-.1091738{col 74}{space 3} .0217073
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-.0200363{col 33}{space 2} .0322437{col 44}{space 1}   -0.62{col 53}{space 3}0.534{col 61}{space 4}-.0832327{col 74}{space 3} .0431602
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-.0398301{col 33}{space 2} .0392344{col 44}{space 1}   -1.02{col 53}{space 3}0.310{col 61}{space 4}-.1167282{col 74}{space 3}  .037068
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2}-.1865119{col 33}{space 2} .1271403{col 44}{space 1}   -1.47{col 53}{space 3}0.142{col 61}{space 4}-.4357022{col 74}{space 3} .0626784
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}-.1513217{col 33}{space 2} .2406478{col 44}{space 1}   -0.63{col 53}{space 3}0.529{col 61}{space 4}-.6229827{col 74}{space 3} .3203394
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} .0639909{col 33}{space 2} .0273248{col 44}{space 1}    2.34{col 53}{space 3}0.019{col 61}{space 4} .0104352{col 74}{space 3} .1175466
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} .1288284{col 33}{space 2} .0564532{col 44}{space 1}    2.28{col 53}{space 3}0.022{col 61}{space 4} .0181822{col 74}{space 3} .2394746
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} .0425551{col 33}{space 2} .0452589{col 44}{space 1}    0.94{col 53}{space 3}0.347{col 61}{space 4}-.0461507{col 74}{space 3}  .131261
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} .0599841{col 33}{space 2} .0352388{col 44}{space 1}    1.70{col 53}{space 3}0.089{col 61}{space 4}-.0090826{col 74}{space 3} .1290509
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} .0319885{col 33}{space 2} .0338243{col 44}{space 1}    0.95{col 53}{space 3}0.344{col 61}{space 4} -.034306{col 74}{space 3} .0982829
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} .0514352{col 33}{space 2} .0305807{col 44}{space 1}    1.68{col 53}{space 3}0.093{col 61}{space 4}-.0085019{col 74}{space 3} .1113724
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} .0629893{col 33}{space 2} .0296574{col 44}{space 1}    2.12{col 53}{space 3}0.034{col 61}{space 4} .0048618{col 74}{space 3} .1211167
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} .0465534{col 33}{space 2} .0274348{col 44}{space 1}    1.70{col 53}{space 3}0.090{col 61}{space 4}-.0072178{col 74}{space 3} .1003246
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} .0356632{col 33}{space 2} .0279181{col 44}{space 1}    1.28{col 53}{space 3}0.201{col 61}{space 4}-.0190552{col 74}{space 3} .0903815
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2} .0348421{col 33}{space 2} .0290729{col 44}{space 1}    1.20{col 53}{space 3}0.231{col 61}{space 4}-.0221396{col 74}{space 3} .0918239
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} .0043209{col 33}{space 2}  .029368{col 44}{space 1}    0.15{col 53}{space 3}0.883{col 61}{space 4}-.0532394{col 74}{space 3} .0618811
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} .0231267{col 33}{space 2} .0265143{col 44}{space 1}    0.87{col 53}{space 3}0.383{col 61}{space 4}-.0288403{col 74}{space 3} .0750938
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2} .0085895{col 33}{space 2}  .238219{col 44}{space 1}    0.04{col 53}{space 3}0.971{col 61}{space 4}-.4583111{col 74}{space 3} .4754902
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2} .0655515{col 33}{space 2}  .027186{col 44}{space 1}    2.41{col 53}{space 3}0.016{col 61}{space 4} .0122678{col 74}{space 3} .1188351
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} .0975388{col 33}{space 2} .1179074{col 44}{space 1}    0.83{col 53}{space 3}0.408{col 61}{space 4}-.1335554{col 74}{space 3}  .328633
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2} .0122142{col 33}{space 2} .1081533{col 44}{space 1}    0.11{col 53}{space 3}0.910{col 61}{space 4}-.1997623{col 74}{space 3} .2241907
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2}-.0038247{col 33}{space 2} .0961892{col 44}{space 1}   -0.04{col 53}{space 3}0.968{col 61}{space 4} -.192352{col 74}{space 3} .1847026
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2}  .003818{col 33}{space 2}  .103605{col 44}{space 1}    0.04{col 53}{space 3}0.971{col 61}{space 4}-.1992441{col 74}{space 3} .2068801
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2}  .081224{col 33}{space 2}  .111575{col 44}{space 1}    0.73{col 53}{space 3}0.467{col 61}{space 4} -.137459{col 74}{space 3}  .299907
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} .0512782{col 33}{space 2} .0921343{col 44}{space 1}    0.56{col 53}{space 3}0.578{col 61}{space 4}-.1293017{col 74}{space 3} .2318581
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2} .0608298{col 33}{space 2} .1036229{col 44}{space 1}    0.59{col 53}{space 3}0.557{col 61}{space 4}-.1422673{col 74}{space 3} .2639269
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2} .0430636{col 33}{space 2} .0903384{col 44}{space 1}    0.48{col 53}{space 3}0.634{col 61}{space 4}-.1339964{col 74}{space 3} .2201235
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} .2383463{col 33}{space 2} .1148841{col 44}{space 1}    2.07{col 53}{space 3}0.038{col 61}{space 4} .0131776{col 74}{space 3} .4635151
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2}-.0659743{col 33}{space 2}  .091448{col 44}{space 1}   -0.72{col 53}{space 3}0.471{col 61}{space 4}-.2452091{col 74}{space 3} .1132604
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2} .0457303{col 33}{space 2} .0897953{col 44}{space 1}    0.51{col 53}{space 3}0.611{col 61}{space 4}-.1302653{col 74}{space 3} .2217259
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2} .0181595{col 33}{space 2} .0886488{col 44}{space 1}    0.20{col 53}{space 3}0.838{col 61}{space 4} -.155589{col 74}{space 3} .1919079
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} .0016713{col 33}{space 2} .1036863{col 44}{space 1}    0.02{col 53}{space 3}0.987{col 61}{space 4}-.2015502{col 74}{space 3} .2048927
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2} .0534291{col 33}{space 2} .1057428{col 44}{space 1}    0.51{col 53}{space 3}0.613{col 61}{space 4} -.153823{col 74}{space 3} .2606812
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.0581706{col 33}{space 2} .0989019{col 44}{space 1}   -0.59{col 53}{space 3}0.556{col 61}{space 4}-.2520148{col 74}{space 3} .1356735
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2} .0261721{col 33}{space 2} .0923608{col 44}{space 1}    0.28{col 53}{space 3}0.777{col 61}{space 4}-.1548516{col 74}{space 3} .2071959
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2} .0165803{col 33}{space 2} .1060146{col 44}{space 1}    0.16{col 53}{space 3}0.876{col 61}{space 4}-.1912044{col 74}{space 3}  .224365
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2} .1135264{col 33}{space 2} .0915897{col 44}{space 1}    1.24{col 53}{space 3}0.215{col 61}{space 4}-.0659862{col 74}{space 3} .2930389
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2}  .046491{col 33}{space 2} .0915059{col 44}{space 1}    0.51{col 53}{space 3}0.611{col 61}{space 4}-.1328573{col 74}{space 3} .2258394
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2} .2719656{col 33}{space 2} .1051689{col 44}{space 1}    2.59{col 53}{space 3}0.010{col 61}{space 4} .0658384{col 74}{space 3} .4780929
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2}-.0318792{col 33}{space 2} .1065758{col 44}{space 1}   -0.30{col 53}{space 3}0.765{col 61}{space 4} -.240764{col 74}{space 3} .1770056
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2}-.0733789{col 33}{space 2} .1012818{col 44}{space 1}   -0.72{col 53}{space 3}0.469{col 61}{space 4}-.2718875{col 74}{space 3} .1251297
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2} .0936009{col 33}{space 2} .0943953{col 44}{space 1}    0.99{col 53}{space 3}0.321{col 61}{space 4}-.0914105{col 74}{space 3} .2786122
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} .2418996{col 33}{space 2} .0958041{col 44}{space 1}    2.52{col 53}{space 3}0.012{col 61}{space 4}  .054127{col 74}{space 3} .4296722
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2} .0845199{col 33}{space 2} .0927264{col 44}{space 1}    0.91{col 53}{space 3}0.362{col 61}{space 4}-.0972204{col 74}{space 3} .2662603
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2}  .148971{col 33}{space 2} .1088152{col 44}{space 1}    1.37{col 53}{space 3}0.171{col 61}{space 4} -.064303{col 74}{space 3} .3622449
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} .0695981{col 33}{space 2} .0959632{col 44}{space 1}    0.73{col 53}{space 3}0.468{col 61}{space 4}-.1184864{col 74}{space 3} .2576826
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2} .0543554{col 33}{space 2} .0998547{col 44}{space 1}    0.54{col 53}{space 3}0.586{col 61}{space 4}-.1413563{col 74}{space 3} .2500671
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2}  .088824{col 33}{space 2}  .114213{col 44}{space 1}    0.78{col 53}{space 3}0.437{col 61}{space 4}-.1350294{col 74}{space 3} .3126774
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2} .1141102{col 33}{space 2} .0954246{col 44}{space 1}    1.20{col 53}{space 3}0.232{col 61}{space 4}-.0729186{col 74}{space 3}  .301139
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2} .0107408{col 33}{space 2} .1429983{col 44}{space 1}    0.08{col 53}{space 3}0.940{col 61}{space 4}-.2695306{col 74}{space 3} .2910123
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2} .0681397{col 33}{space 2} .0982274{col 44}{space 1}    0.69{col 53}{space 3}0.488{col 61}{space 4}-.1243825{col 74}{space 3}  .260662
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2} .0713595{col 33}{space 2} .0942049{col 44}{space 1}    0.76{col 53}{space 3}0.449{col 61}{space 4}-.1132787{col 74}{space 3} .2559977
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2} .0798598{col 33}{space 2} .0934475{col 44}{space 1}    0.85{col 53}{space 3}0.393{col 61}{space 4}-.1032938{col 74}{space 3} .2630134
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2} .0682113{col 33}{space 2} .0914471{col 44}{space 1}    0.75{col 53}{space 3}0.456{col 61}{space 4}-.1110217{col 74}{space 3} .2474444
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} .1013943{col 33}{space 2} .0966274{col 44}{space 1}    1.05{col 53}{space 3}0.294{col 61}{space 4}-.0879919{col 74}{space 3} .2907805
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2} .0066708{col 33}{space 2} .0896101{col 44}{space 1}    0.07{col 53}{space 3}0.941{col 61}{space 4}-.1689617{col 74}{space 3} .1823034
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2} .0657199{col 33}{space 2} .1050744{col 44}{space 1}    0.63{col 53}{space 3}0.532{col 61}{space 4}-.1402221{col 74}{space 3}  .271662
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2} -.182767{col 33}{space 2} .2313501{col 44}{space 1}   -0.79{col 53}{space 3}0.430{col 61}{space 4}-.6362048{col 74}{space 3} .2706709
{txt}{space 3}schemedummynew40 {c |}{col 21}{res}{space 2} .0358161{col 33}{space 2} .0943562{col 44}{space 1}    0.38{col 53}{space 3}0.704{col 61}{space 4}-.1491187{col 74}{space 3} .2207509
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2} .0397524{col 33}{space 2}  .095459{col 44}{space 1}    0.42{col 53}{space 3}0.677{col 61}{space 4}-.1473438{col 74}{space 3} .2268485
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2} .1048623{col 33}{space 2} .0974275{col 44}{space 1}    1.08{col 53}{space 3}0.282{col 61}{space 4}-.0860921{col 74}{space 3} .2958166
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} .1656959{col 33}{space 2} .0933118{col 44}{space 1}    1.78{col 53}{space 3}0.076{col 61}{space 4}-.0171919{col 74}{space 3} .3485836
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2}-.1140371{col 33}{space 2} .1033752{col 44}{space 1}   -1.10{col 53}{space 3}0.270{col 61}{space 4}-.3166488{col 74}{space 3} .0885746
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2} .0121046{col 33}{space 2} .0999313{col 44}{space 1}    0.12{col 53}{space 3}0.904{col 61}{space 4} -.183757{col 74}{space 3} .2079663
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} .0173773{col 33}{space 2} .0914418{col 44}{space 1}    0.19{col 53}{space 3}0.849{col 61}{space 4}-.1618454{col 74}{space 3}    .1966
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} .0541695{col 33}{space 2} .0974722{col 44}{space 1}    0.56{col 53}{space 3}0.578{col 61}{space 4}-.1368725{col 74}{space 3} .2452116
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} .0521356{col 33}{space 2} .1144995{col 44}{space 1}    0.46{col 53}{space 3}0.649{col 61}{space 4}-.1722793{col 74}{space 3} .2765505
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2}  .031673{col 33}{space 2}  .098384{col 44}{space 1}    0.32{col 53}{space 3}0.748{col 61}{space 4} -.161156{col 74}{space 3} .2245021
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2}  .104347{col 33}{space 2}  .106109{col 44}{space 1}    0.98{col 53}{space 3}0.325{col 61}{space 4}-.1036228{col 74}{space 3} .3123168
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2} .0563282{col 33}{space 2} .0972609{col 44}{space 1}    0.58{col 53}{space 3}0.562{col 61}{space 4}-.1342997{col 74}{space 3}  .246956
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2} .0594691{col 33}{space 2} .0963069{col 44}{space 1}    0.62{col 53}{space 3}0.537{col 61}{space 4} -.129289{col 74}{space 3} .2482272
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2} .2067961{col 33}{space 2} .0937803{col 44}{space 1}    2.21{col 53}{space 3}0.027{col 61}{space 4} .0229902{col 74}{space 3}  .390602
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 14}_cons {c |}{col 21}{res}{space 2}-.7483076{col 33}{space 2} .0923907{col 44}{space 1}   -8.10{col 53}{space 3}0.000{col 61}{space 4}-.9293899{col 74}{space 3}-.5672252
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}

{com}. margins, dydx(itt2 itt3) post
{res}
{txt}Average marginal effects{col 49}Number of obs{col 67}= {res}    78,025
{txt}Model VCE{col 14}: {res}Robust

{txt}{p2colset 1 14 16 2}{...}
{p2col:Expression}:{space 1}{res:Pr(paidcount), predict()}{p_end}
{p2colreset}{...}
{txt}{p2colset 1 14 16 2}{...}
{p2col:dy/dx w.r.t.}:{space 1}{res:itt2 itt3}{p_end}
{p2colreset}{...}

{res}{txt}{hline 13}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 14}{c |}{col 26} Delta-method
{col 14}{c |}      dy/dx{col 26}   Std. Err.{col 38}      z{col 46}   P>|z|{col 54}     [95% Con{col 67}f. Interval]
{hline 13}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 8}itt2 {c |}{col 14}{res}{space 2} .0134064{col 26}{space 2} .0051581{col 37}{space 1}    2.60{col 46}{space 3}0.009{col 54}{space 4} .0032966{col 67}{space 3} .0235162
{txt}{space 8}itt3 {c |}{col 14}{res}{space 2} .0091535{col 26}{space 2} .0051947{col 37}{space 1}    1.76{col 46}{space 3}0.078{col 54}{space 4}-.0010278{col 67}{space 3} .0193349
{txt}{hline 13}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. *Intensive Margin*
. reg lnpayment `controls' if t>=15 & t<=22, vce(cluster customer)
{p 0 6 2}{txt}note: interviewerdummy16 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy14 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy18 omitted because of collinearity{p_end}
{p 0 6 2}note: schemedummynew54 omitted because of collinearity{p_end}

Linear regression                               Number of obs     = {res}    31,291
                                                {txt}F(98, 8880)       =  {res}    16.69
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.1733
                                                {txt}Root MSE          =    {res} .94731

{txt}{ralign 85:(Std. Err. adjusted for {res:8,881} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}          lnpayment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2}-.0227187{col 33}{space 2} .0210651{col 44}{space 1}   -1.08{col 53}{space 3}0.281{col 61}{space 4}-.0640112{col 74}{space 3} .0185738
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2}-.0325016{col 33}{space 2} .0213999{col 44}{space 1}   -1.52{col 53}{space 3}0.129{col 61}{space 4}-.0744502{col 74}{space 3} .0094471
{txt}{space 19} {c |}
{space 18}t {c |}
{space 16}16  {c |}{col 21}{res}{space 2} .0704581{col 33}{space 2} .0181232{col 44}{space 1}    3.89{col 53}{space 3}0.000{col 61}{space 4} .0349325{col 74}{space 3} .1059837
{txt}{space 16}17  {c |}{col 21}{res}{space 2} -.033548{col 33}{space 2} .0187705{col 44}{space 1}   -1.79{col 53}{space 3}0.074{col 61}{space 4}-.0703425{col 74}{space 3} .0032464
{txt}{space 16}18  {c |}{col 21}{res}{space 2} .1182533{col 33}{space 2} .0173888{col 44}{space 1}    6.80{col 53}{space 3}0.000{col 61}{space 4} .0841672{col 74}{space 3} .1523393
{txt}{space 16}19  {c |}{col 21}{res}{space 2}-.0153904{col 33}{space 2}  .019537{col 44}{space 1}   -0.79{col 53}{space 3}0.431{col 61}{space 4}-.0536875{col 74}{space 3} .0229067
{txt}{space 16}20  {c |}{col 21}{res}{space 2}-.0323215{col 33}{space 2}  .019715{col 44}{space 1}   -1.64{col 53}{space 3}0.101{col 61}{space 4}-.0709675{col 74}{space 3} .0063244
{txt}{space 16}21  {c |}{col 21}{res}{space 2}  .015519{col 33}{space 2} .0188952{col 44}{space 1}    0.82{col 53}{space 3}0.411{col 61}{space 4}-.0215199{col 74}{space 3} .0525579
{txt}{space 16}22  {c |}{col 21}{res}{space 2} .1184638{col 33}{space 2}   .01799{col 44}{space 1}    6.58{col 53}{space 3}0.000{col 61}{space 4} .0831993{col 74}{space 3} .1537283
{txt}{space 19} {c |}
{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0009894{col 33}{space 2} .0000775{col 44}{space 1}   12.77{col 53}{space 3}0.000{col 61}{space 4} .0008375{col 74}{space 3} .0011413
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2} .0258427{col 33}{space 2}  .018669{col 44}{space 1}    1.38{col 53}{space 3}0.166{col 61}{space 4}-.0107529{col 74}{space 3} .0624383
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0044075{col 33}{space 2} .0002505{col 44}{space 1}   17.59{col 53}{space 3}0.000{col 61}{space 4} .0039165{col 74}{space 3} .0048986
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} .0002002{col 33}{space 2} .0000167{col 44}{space 1}   12.00{col 53}{space 3}0.000{col 61}{space 4} .0001675{col 74}{space 3}  .000233
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2}-.0266423{col 33}{space 2}   .00337{col 44}{space 1}   -7.91{col 53}{space 3}0.000{col 61}{space 4}-.0332484{col 74}{space 3}-.0200363
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.0527858{col 33}{space 2} .0429094{col 44}{space 1}   -1.23{col 53}{space 3}0.219{col 61}{space 4}-.1368981{col 74}{space 3} .0313265
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2} .0377945{col 33}{space 2} .0434041{col 44}{space 1}    0.87{col 53}{space 3}0.384{col 61}{space 4}-.0472876{col 74}{space 3} .1228766
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2} .0681944{col 33}{space 2} .0486315{col 44}{space 1}    1.40{col 53}{space 3}0.161{col 61}{space 4}-.0271346{col 74}{space 3} .1635234
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0081562{col 33}{space 2} .0439016{col 44}{space 1}   -0.19{col 53}{space 3}0.853{col 61}{space 4}-.0942135{col 74}{space 3} .0779011
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2} .0004907{col 33}{space 2} .0422083{col 44}{space 1}    0.01{col 53}{space 3}0.991{col 61}{space 4}-.0822472{col 74}{space 3} .0832287
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.0196113{col 33}{space 2} .0466448{col 44}{space 1}   -0.42{col 53}{space 3}0.674{col 61}{space 4} -.111046{col 74}{space 3} .0718233
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2} .0291885{col 33}{space 2} .0503005{col 44}{space 1}    0.58{col 53}{space 3}0.562{col 61}{space 4} -.069412{col 74}{space 3}  .127789
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2} .0198234{col 33}{space 2} .0446935{col 44}{space 1}    0.44{col 53}{space 3}0.657{col 61}{space 4}-.0677861{col 74}{space 3} .1074329
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.0656579{col 33}{space 2} .0452798{col 44}{space 1}   -1.45{col 53}{space 3}0.147{col 61}{space 4}-.1544168{col 74}{space 3} .0231011
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.0671883{col 33}{space 2} .0451871{col 44}{space 1}   -1.49{col 53}{space 3}0.137{col 61}{space 4}-.1557655{col 74}{space 3} .0213888
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}-.0556789{col 33}{space 2} .0615533{col 44}{space 1}   -0.90{col 53}{space 3}0.366{col 61}{space 4}-.1763376{col 74}{space 3} .0649797
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-.0317536{col 33}{space 2} .0398337{col 44}{space 1}   -0.80{col 53}{space 3}0.425{col 61}{space 4}-.1098368{col 74}{space 3} .0463296
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2} .0136942{col 33}{space 2} .0498073{col 44}{space 1}    0.27{col 53}{space 3}0.783{col 61}{space 4}-.0839396{col 74}{space 3} .1113281
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-.0074344{col 33}{space 2} .0449549{col 44}{space 1}   -0.17{col 53}{space 3}0.869{col 61}{space 4}-.0955564{col 74}{space 3} .0806876
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2} .0144184{col 33}{space 2}  .054943{col 44}{space 1}    0.26{col 53}{space 3}0.793{col 61}{space 4}-.0932827{col 74}{space 3} .1221194
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2} -.038888{col 33}{space 2} .1954589{col 44}{space 1}   -0.20{col 53}{space 3}0.842{col 61}{space 4}-.4220327{col 74}{space 3} .3442567
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2} .0262229{col 33}{space 2}  .198194{col 44}{space 1}    0.13{col 53}{space 3}0.895{col 61}{space 4}-.3622831{col 74}{space 3} .4147289
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} .0536276{col 33}{space 2}  .037888{col 44}{space 1}    1.42{col 53}{space 3}0.157{col 61}{space 4}-.0206416{col 74}{space 3} .1278968
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} .0290505{col 33}{space 2} .0769258{col 44}{space 1}    0.38{col 53}{space 3}0.706{col 61}{space 4}-.1217419{col 74}{space 3} .1798429
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} .0245379{col 33}{space 2} .0687121{col 44}{space 1}    0.36{col 53}{space 3}0.721{col 61}{space 4}-.1101536{col 74}{space 3} .1592295
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2}-.0361583{col 33}{space 2} .0465856{col 44}{space 1}   -0.78{col 53}{space 3}0.438{col 61}{space 4}-.1274768{col 74}{space 3} .0551602
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} .0216485{col 33}{space 2} .0506826{col 44}{space 1}    0.43{col 53}{space 3}0.669{col 61}{space 4}-.0777012{col 74}{space 3} .1209982
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2}-.0009362{col 33}{space 2} .0449873{col 44}{space 1}   -0.02{col 53}{space 3}0.983{col 61}{space 4}-.0891217{col 74}{space 3} .0872493
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} .0541363{col 33}{space 2} .0428978{col 44}{space 1}    1.26{col 53}{space 3}0.207{col 61}{space 4}-.0299533{col 74}{space 3} .1382258
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} .0120321{col 33}{space 2} .0381611{col 44}{space 1}    0.32{col 53}{space 3}0.753{col 61}{space 4}-.0627726{col 74}{space 3} .0868367
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} .0883424{col 33}{space 2} .0399604{col 44}{space 1}    2.21{col 53}{space 3}0.027{col 61}{space 4} .0100108{col 74}{space 3} .1666739
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2}-.0223219{col 33}{space 2} .0414633{col 44}{space 1}   -0.54{col 53}{space 3}0.590{col 61}{space 4}-.1035996{col 74}{space 3} .0589558
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} .0021914{col 33}{space 2} .0421284{col 44}{space 1}    0.05{col 53}{space 3}0.959{col 61}{space 4}-.0803901{col 74}{space 3} .0847729
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2}-.0033499{col 33}{space 2} .0388225{col 44}{space 1}   -0.09{col 53}{space 3}0.931{col 61}{space 4}-.0794509{col 74}{space 3} .0727512
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}-.0552416{col 33}{space 2} .3502234{col 44}{space 1}   -0.16{col 53}{space 3}0.875{col 61}{space 4}-.7417605{col 74}{space 3} .6312772
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2}-.0106856{col 33}{space 2} .0388267{col 44}{space 1}   -0.28{col 53}{space 3}0.783{col 61}{space 4} -.086795{col 74}{space 3} .0654238
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}schemedummynew1 {c |}{col 21}{res}{space 2}-.2552929{col 33}{space 2} .1728548{col 44}{space 1}   -1.48{col 53}{space 3}0.140{col 61}{space 4}-.5941282{col 74}{space 3} .0835424
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2}-.2959023{col 33}{space 2} .1609364{col 44}{space 1}   -1.84{col 53}{space 3}0.066{col 61}{space 4}-.6113748{col 74}{space 3} .0195703
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2}-.0582924{col 33}{space 2} .1382291{col 44}{space 1}   -0.42{col 53}{space 3}0.673{col 61}{space 4}-.3292533{col 74}{space 3} .2126685
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2}-.3589646{col 33}{space 2}  .151327{col 44}{space 1}   -2.37{col 53}{space 3}0.018{col 61}{space 4}-.6556005{col 74}{space 3}-.0623287
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2}-.2989537{col 33}{space 2} .1726609{col 44}{space 1}   -1.73{col 53}{space 3}0.083{col 61}{space 4}-.6374091{col 74}{space 3} .0395016
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} .0102222{col 33}{space 2} .1350698{col 44}{space 1}    0.08{col 53}{space 3}0.940{col 61}{space 4}-.2545458{col 74}{space 3} .2749902
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2}-.3025885{col 33}{space 2} .1420303{col 44}{space 1}   -2.13{col 53}{space 3}0.033{col 61}{space 4}-.5810007{col 74}{space 3}-.0241764
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-.2806518{col 33}{space 2} .1313729{col 44}{space 1}   -2.14{col 53}{space 3}0.033{col 61}{space 4} -.538173{col 74}{space 3}-.0231305
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} .0275135{col 33}{space 2} .1565491{col 44}{space 1}    0.18{col 53}{space 3}0.860{col 61}{space 4} -.279359{col 74}{space 3} .3343859
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2} -.189642{col 33}{space 2} .1317522{col 44}{space 1}   -1.44{col 53}{space 3}0.150{col 61}{space 4}-.4479068{col 74}{space 3} .0686228
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2}-.3017052{col 33}{space 2} .1296258{col 44}{space 1}   -2.33{col 53}{space 3}0.020{col 61}{space 4}-.5558017{col 74}{space 3}-.0476086
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2}-.2117503{col 33}{space 2}  .126653{col 44}{space 1}   -1.67{col 53}{space 3}0.095{col 61}{space 4}-.4600195{col 74}{space 3}  .036519
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2}-.0453177{col 33}{space 2} .1472045{col 44}{space 1}   -0.31{col 53}{space 3}0.758{col 61}{space 4}-.3338726{col 74}{space 3} .2432372
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2}-.3860918{col 33}{space 2}  .150511{col 44}{space 1}   -2.57{col 53}{space 3}0.010{col 61}{space 4}-.6811281{col 74}{space 3}-.0910555
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.2038138{col 33}{space 2} .1454401{col 44}{space 1}   -1.40{col 53}{space 3}0.161{col 61}{space 4}  -.48891{col 74}{space 3} .0812824
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2}-.0601084{col 33}{space 2} .1330865{col 44}{space 1}   -0.45{col 53}{space 3}0.652{col 61}{space 4}-.3209888{col 74}{space 3}  .200772
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2}-.0958055{col 33}{space 2}  .150217{col 44}{space 1}   -0.64{col 53}{space 3}0.524{col 61}{space 4}-.3902656{col 74}{space 3} .1986546
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2}-.4876542{col 33}{space 2} .1329829{col 44}{space 1}   -3.67{col 53}{space 3}0.000{col 61}{space 4}-.7483315{col 74}{space 3} -.226977
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2}-.3089421{col 33}{space 2} .1321426{col 44}{space 1}   -2.34{col 53}{space 3}0.019{col 61}{space 4}-.5679722{col 74}{space 3}-.0499121
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2} -.423044{col 33}{space 2} .1384314{col 44}{space 1}   -3.06{col 53}{space 3}0.002{col 61}{space 4}-.6944015{col 74}{space 3}-.1516865
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} .1603659{col 33}{space 2} .1536889{col 44}{space 1}    1.04{col 53}{space 3}0.297{col 61}{space 4}-.1408998{col 74}{space 3} .4616317
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2}-.2590615{col 33}{space 2} .1497101{col 44}{space 1}   -1.73{col 53}{space 3}0.084{col 61}{space 4} -.552528{col 74}{space 3}  .034405
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2}-.3033823{col 33}{space 2}  .135406{col 44}{space 1}   -2.24{col 53}{space 3}0.025{col 61}{space 4}-.5688093{col 74}{space 3}-.0379553
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2}-.3723696{col 33}{space 2}  .135833{col 44}{space 1}   -2.74{col 53}{space 3}0.006{col 61}{space 4}-.6386337{col 74}{space 3}-.1061054
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2} -.167664{col 33}{space 2} .1355152{col 44}{space 1}   -1.24{col 53}{space 3}0.216{col 61}{space 4}-.4333051{col 74}{space 3} .0979771
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2}-.0689766{col 33}{space 2}  .152962{col 44}{space 1}   -0.45{col 53}{space 3}0.652{col 61}{space 4}-.3688175{col 74}{space 3} .2308644
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2}-.0263733{col 33}{space 2}  .140785{col 44}{space 1}   -0.19{col 53}{space 3}0.851{col 61}{space 4}-.3023445{col 74}{space 3} .2495978
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2}-.3192424{col 33}{space 2} .1492313{col 44}{space 1}   -2.14{col 53}{space 3}0.032{col 61}{space 4}-.6117703{col 74}{space 3}-.0267145
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2}-.4281565{col 33}{space 2} .1675873{col 44}{space 1}   -2.55{col 53}{space 3}0.011{col 61}{space 4}-.7566664{col 74}{space 3}-.0996466
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}-.2807013{col 33}{space 2} .1370149{col 44}{space 1}   -2.05{col 53}{space 3}0.041{col 61}{space 4}-.5492821{col 74}{space 3}-.0121204
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2} -.113597{col 33}{space 2} .1722923{col 44}{space 1}   -0.66{col 53}{space 3}0.510{col 61}{space 4}-.4513298{col 74}{space 3} .2241359
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2} -.299934{col 33}{space 2} .1376965{col 44}{space 1}   -2.18{col 53}{space 3}0.029{col 61}{space 4} -.569851{col 74}{space 3}-.0300171
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2}-.1120925{col 33}{space 2} .1350851{col 44}{space 1}   -0.83{col 53}{space 3}0.407{col 61}{space 4}-.3768906{col 74}{space 3} .1527056
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2} -.113513{col 33}{space 2} .1384264{col 44}{space 1}   -0.82{col 53}{space 3}0.412{col 61}{space 4}-.3848607{col 74}{space 3} .1578347
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2}-.2107637{col 33}{space 2} .1327684{col 44}{space 1}   -1.59{col 53}{space 3}0.112{col 61}{space 4}-.4710204{col 74}{space 3}  .049493
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2}-.1243928{col 33}{space 2} .1431269{col 44}{space 1}   -0.87{col 53}{space 3}0.385{col 61}{space 4}-.4049546{col 74}{space 3}  .156169
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}-.1659118{col 33}{space 2} .1314163{col 44}{space 1}   -1.26{col 53}{space 3}0.207{col 61}{space 4}-.4235182{col 74}{space 3} .0916946
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2}-.0111758{col 33}{space 2} .1417744{col 44}{space 1}   -0.08{col 53}{space 3}0.937{col 61}{space 4}-.2890864{col 74}{space 3} .2667348
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}   .49122{col 33}{space 2} .2914471{col 44}{space 1}    1.69{col 53}{space 3}0.092{col 61}{space 4}-.0800836{col 74}{space 3} 1.062524
{txt}{space 3}schemedummynew40 {c |}{col 21}{res}{space 2}-.2884022{col 33}{space 2} .1362784{col 44}{space 1}   -2.12{col 53}{space 3}0.034{col 61}{space 4}-.5555393{col 74}{space 3}-.0212651
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2}-.1101653{col 33}{space 2} .1384994{col 44}{space 1}   -0.80{col 53}{space 3}0.426{col 61}{space 4} -.381656{col 74}{space 3} .1613255
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2} -.430753{col 33}{space 2} .1448153{col 44}{space 1}   -2.97{col 53}{space 3}0.003{col 61}{space 4}-.7146245{col 74}{space 3}-.1468815
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2}-.1242387{col 33}{space 2} .1345775{col 44}{space 1}   -0.92{col 53}{space 3}0.356{col 61}{space 4}-.3880417{col 74}{space 3} .1395643
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2} -.047384{col 33}{space 2}  .142167{col 44}{space 1}   -0.33{col 53}{space 3}0.739{col 61}{space 4}-.3260643{col 74}{space 3} .2312962
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2}-.1743737{col 33}{space 2} .1469832{col 44}{space 1}   -1.19{col 53}{space 3}0.236{col 61}{space 4}-.4624948{col 74}{space 3} .1137473
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2}-.0396314{col 33}{space 2} .1314679{col 44}{space 1}   -0.30{col 53}{space 3}0.763{col 61}{space 4}-.2973388{col 74}{space 3} .2180759
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} .0736488{col 33}{space 2} .1410833{col 44}{space 1}    0.52{col 53}{space 3}0.602{col 61}{space 4}-.2029071{col 74}{space 3} .3502047
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} .0776541{col 33}{space 2} .1726656{col 44}{space 1}    0.45{col 53}{space 3}0.653{col 61}{space 4}-.2608104{col 74}{space 3} .4161186
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2}-.0226697{col 33}{space 2}  .139886{col 44}{space 1}   -0.16{col 53}{space 3}0.871{col 61}{space 4}-.2968786{col 74}{space 3} .2515391
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2}-.2323452{col 33}{space 2} .1530796{col 44}{space 1}   -1.52{col 53}{space 3}0.129{col 61}{space 4}-.5324166{col 74}{space 3} .0677263
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2}-.0130426{col 33}{space 2} .1386202{col 44}{space 1}   -0.09{col 53}{space 3}0.925{col 61}{space 4}-.2847702{col 74}{space 3} .2586851
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2}-.3268428{col 33}{space 2}  .133977{col 44}{space 1}   -2.44{col 53}{space 3}0.015{col 61}{space 4}-.5894687{col 74}{space 3}-.0642169
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2}-.1829337{col 33}{space 2} .1311565{col 44}{space 1}   -1.39{col 53}{space 3}0.163{col 61}{space 4}-.4400308{col 74}{space 3} .0741634
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 14}_cons {c |}{col 21}{res}{space 2} 4.994679{col 33}{space 2} .1321025{col 44}{space 1}   37.81{col 53}{space 3}0.000{col 61}{space 4} 4.735727{col 74}{space 3}  5.25363
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. *TWO PM*
. preserve 
{txt}
{com}. keep if t>=15 & t<=22
{txt}(245,229 observations deleted)

{com}. capture program drop Ey_boot
{txt}
{com}. program define Ey_boot, eclass
{txt}  1{com}. twopm payment itt2 itt3 i.t premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew* , firstpart(probit) secondpart(regress, log) vce(cluster customer)
{txt}  2{com}. margins, dydx(itt2 itt3) predict(duan) nose post
{txt}  3{com}. end
{txt}
{com}. bootstrap _b, seed(3125) reps(1000): Ey_boot
{txt}(running Ey_boot on estimation sample)

Bootstrap replications ({res}1000{txt})
{hline 4}{c +}{hline 3} 1 {hline 3}{c +}{hline 3} 2 {hline 3}{c +}{hline 3} 3 {hline 3}{c +}{hline 3} 4 {hline 3}{c +}{hline 3} 5 
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..................................................  1000
{res}
{txt}Average marginal effects{col 49}Number of obs{col 67}= {res}    78,025
{txt}{col 49}Replications{col 67}= {res}     1,000

{txt}{hline 13}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 14}{c |}   Observed{col 26}   Bootstrap{col 54}         Norm{col 67}al-based
{col 14}{c |}      Coef.{col 26}   Std. Err.{col 38}      z{col 46}   P>|z|{col 54}     [95% Con{col 67}f. Interval]
{hline 13}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 8}itt2 {c |}{col 14}{res}{space 2} 1.499434{col 26}{space 2} 2.016614{col 37}{space 1}    0.74{col 46}{space 3}0.457{col 54}{space 4}-2.453056{col 67}{space 3} 5.451924
{txt}{space 8}itt3 {c |}{col 14}{res}{space 2}-1.046666{col 26}{space 2} 2.077149{col 37}{space 1}   -0.50{col 46}{space 3}0.614{col 54}{space 4}-5.117804{col 67}{space 3} 3.024471
{txt}{hline 13}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}

{com}. restore
{txt}
{com}. 
. reg asinhpayment `controls' if t>=15 & t<=22, vce(cluster customer)
{p 0 6 2}{txt}note: interviewerdummy16 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy14 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy18 omitted because of collinearity{p_end}
{p 0 6 2}note: schemedummynew54 omitted because of collinearity{p_end}

Linear regression                               Number of obs     = {res}    78,025
                                                {txt}F(98, 9805)       =  {res}    75.85
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.1068
                                                {txt}Root MSE          =    {res} 2.7724

{txt}{ralign 85:(Std. Err. adjusted for {res:9,806} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}       asinhpayment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .0684487{col 33}{space 2} .0292816{col 44}{space 1}    2.34{col 53}{space 3}0.019{col 61}{space 4} .0110507{col 74}{space 3} .1258467
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} .0413028{col 33}{space 2}   .02959{col 44}{space 1}    1.40{col 53}{space 3}0.163{col 61}{space 4}-.0166997{col 74}{space 3} .0993053
{txt}{space 19} {c |}
{space 18}t {c |}
{space 16}16  {c |}{col 21}{res}{space 2} -.314159{col 33}{space 2} .0417124{col 44}{space 1}   -7.53{col 53}{space 3}0.000{col 61}{space 4}-.3959238{col 74}{space 3}-.2323941
{txt}{space 16}17  {c |}{col 21}{res}{space 2} -.385459{col 33}{space 2} .0378889{col 44}{space 1}  -10.17{col 53}{space 3}0.000{col 61}{space 4} -.459729{col 74}{space 3} -.311189
{txt}{space 16}18  {c |}{col 21}{res}{space 2}-.0892699{col 33}{space 2} .0383359{col 44}{space 1}   -2.33{col 53}{space 3}0.020{col 61}{space 4}-.1644162{col 74}{space 3}-.0141236
{txt}{space 16}19  {c |}{col 21}{res}{space 2}-.7086846{col 33}{space 2} .0376406{col 44}{space 1}  -18.83{col 53}{space 3}0.000{col 61}{space 4}-.7824679{col 74}{space 3}-.6349012
{txt}{space 16}20  {c |}{col 21}{res}{space 2}-.7197324{col 33}{space 2} .0379895{col 44}{space 1}  -18.95{col 53}{space 3}0.000{col 61}{space 4}-.7941997{col 74}{space 3}-.6452651
{txt}{space 16}21  {c |}{col 21}{res}{space 2}-.3820064{col 33}{space 2} .0381104{col 44}{space 1}  -10.02{col 53}{space 3}0.000{col 61}{space 4}-.4567107{col 74}{space 3}-.3073021
{txt}{space 16}22  {c |}{col 21}{res}{space 2} .0635153{col 33}{space 2} .0389744{col 44}{space 1}    1.63{col 53}{space 3}0.103{col 61}{space 4}-.0128825{col 74}{space 3} .1399131
{txt}{space 19} {c |}
{space 4}premeaninvoicew {c |}{col 21}{res}{space 2}  .000937{col 33}{space 2}  .000078{col 44}{space 1}   12.01{col 53}{space 3}0.000{col 61}{space 4} .0007841{col 74}{space 3} .0010899
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.2023429{col 33}{space 2} .0256812{col 44}{space 1}   -7.88{col 53}{space 3}0.000{col 61}{space 4}-.2526834{col 74}{space 3}-.1520024
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0009261{col 33}{space 2} .0003443{col 44}{space 1}    2.69{col 53}{space 3}0.007{col 61}{space 4} .0002512{col 74}{space 3} .0016011
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2}-.0000539{col 33}{space 2} .0000151{col 44}{space 1}   -3.57{col 53}{space 3}0.000{col 61}{space 4}-.0000835{col 74}{space 3}-.0000243
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2}  .331057{col 33}{space 2} .0046866{col 44}{space 1}   70.64{col 53}{space 3}0.000{col 61}{space 4} .3218703{col 74}{space 3} .3402436
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2} -.113369{col 33}{space 2} .0587464{col 44}{space 1}   -1.93{col 53}{space 3}0.054{col 61}{space 4} -.228524{col 74}{space 3}  .001786
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2} .0196188{col 33}{space 2} .0604412{col 44}{space 1}    0.32{col 53}{space 3}0.745{col 61}{space 4}-.0988585{col 74}{space 3} .1380961
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.1002702{col 33}{space 2} .0673729{col 44}{space 1}   -1.49{col 53}{space 3}0.137{col 61}{space 4} -.232335{col 74}{space 3} .0317946
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0374674{col 33}{space 2} .0623693{col 44}{space 1}   -0.60{col 53}{space 3}0.548{col 61}{space 4}-.1597241{col 74}{space 3} .0847894
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2} .0100207{col 33}{space 2}  .060565{col 44}{space 1}    0.17{col 53}{space 3}0.869{col 61}{space 4}-.1086992{col 74}{space 3} .1287405
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.0258033{col 33}{space 2}  .067019{col 44}{space 1}   -0.39{col 53}{space 3}0.700{col 61}{space 4}-.1571742{col 74}{space 3} .1055677
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.0893844{col 33}{space 2} .0693569{col 44}{space 1}   -1.29{col 53}{space 3}0.198{col 61}{space 4}-.2253383{col 74}{space 3} .0465695
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-.0547818{col 33}{space 2} .0634376{col 44}{space 1}   -0.86{col 53}{space 3}0.388{col 61}{space 4}-.1791327{col 74}{space 3}  .069569
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.0096104{col 33}{space 2} .0627559{col 44}{space 1}   -0.15{col 53}{space 3}0.878{col 61}{space 4}-.1326249{col 74}{space 3} .1134042
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.1069557{col 33}{space 2} .0639745{col 44}{space 1}   -1.67{col 53}{space 3}0.095{col 61}{space 4}-.2323589{col 74}{space 3} .0184475
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}-.1051973{col 33}{space 2} .0799514{col 44}{space 1}   -1.32{col 53}{space 3}0.188{col 61}{space 4}-.2619186{col 74}{space 3} .0515239
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{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2} .0353308{col 33}{space 2}  .186621{col 44}{space 1}    0.19{col 53}{space 3}0.850{col 61}{space 4}-.3304848{col 74}{space 3} .4011464
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{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} .0083438{col 33}{space 2} .1798108{col 44}{space 1}    0.05{col 53}{space 3}0.963{col 61}{space 4}-.3441225{col 74}{space 3}   .36081
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} .1376283{col 33}{space 2} .1956707{col 44}{space 1}    0.70{col 53}{space 3}0.482{col 61}{space 4}-.2459266{col 74}{space 3} .5211832
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} .1090665{col 33}{space 2} .2276213{col 44}{space 1}    0.48{col 53}{space 3}0.632{col 61}{space 4} -.337118{col 74}{space 3} .5552511
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} .0605446{col 33}{space 2} .1965884{col 44}{space 1}    0.31{col 53}{space 3}0.758{col 61}{space 4}-.3248092{col 74}{space 3} .4458983
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} .1072057{col 33}{space 2} .2061289{col 44}{space 1}    0.52{col 53}{space 3}0.603{col 61}{space 4}-.2968494{col 74}{space 3} .5112609
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2} .0963416{col 33}{space 2} .1949703{col 44}{space 1}    0.49{col 53}{space 3}0.621{col 61}{space 4}-.2858403{col 74}{space 3} .4785234
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2}-.0204255{col 33}{space 2} .1880196{col 44}{space 1}   -0.11{col 53}{space 3}0.913{col 61}{space 4}-.3889826{col 74}{space 3} .3481316
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{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 14}_cons {c |}{col 21}{res}{space 2} 1.270792{col 33}{space 2} .1811719{col 44}{space 1}    7.01{col 53}{space 3}0.000{col 61}{space 4} .9156579{col 74}{space 3} 1.625926
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. sum  paidcount lnpayment payment asinhpayment if t>=15 & t<=22 & itt==0 // comparison values

{txt}    Variable {c |}        Obs        Mean    Std. Dev.       Min        Max
{hline 13}{c +}{hline 57}
{space 3}paidcount {c |}{res}     26,068    .3933942    .4885124          0          1
{txt}{space 3}lnpayment {c |}{res}     10,255    5.157355    1.051034  -1.049822   9.472705
{txt}{space 5}payment {c |}{res}     26,068    120.9569    332.3446          0      13000
{txt}asinhpayment {c |}{res}     26,068     2.30161    2.933071          0   10.16585
{txt}
{com}. 
. log close
      {txt}name:  {res}<unnamed>
       {txt}log:  {res}/Users/sebastiantonke/Desktop/Replication Package/Replication files experiment/output_logs/table 3.smcl
  {txt}log type:  {res}smcl
 {txt}closed on:  {res}11 Jul 2023, 21:09:20
{txt}{.-}
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